A.M.C. CONSEIL & FINANCE : revenue, balance sheet and financial ratios

A.M.C. CONSEIL & FINANCE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in EYBENS (38320), this company of category PME shows in 2023 a revenue of 64 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - A.M.C. CONSEIL & FINANCE (SIREN 530255603)
Indicator 2023 2021 2020
Revenue 63 728 € 79 355 € 67 332 €
Net income -13 406 € 3 924 € 17 088 €
EBITDA 147 € 4 884 € 20 094 €
Net margin -21.0% 4.9% 25.4%

Revenue and income statement

In 2023, A.M.C. CONSEIL & FINANCE achieves revenue of 64 k€. Activity remains stable over the period (CAGR: -1.8%). Significant drop of -20% vs 2021. After deducting consumption (0 €), gross margin stands at 64 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 147 €, representing 0.2% of revenue. Warning negative scissor effect: despite revenue change (-20%), EBITDA varies by -97%, reducing margin by 5.9 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -13 k€ (-21.0% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

63 728 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

63 728 €

EBITDA (2023) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

147 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-2 468 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-13 406 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.2%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2023) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

0.0%

Cash flow / Revenue (2023) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-16.933%

Repayment capacity (2023) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.0

Solvency indicators evolution
A.M.C. CONSEIL & FINANCE

Sector positioning

Debt ratio
0.0 2023
2020
2021
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Excellent

In 2023, the debt ratio of A.M.C. CONSEIL & FINANCE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2023
2020
2021
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average

In 2023, the financial autonomy of A.M.C. CONSEIL & FINANCE (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Excellent

In 2023, the repayment capacity of A.M.C. CONSEIL & FINANCE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 0.02. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement.

Liquidity ratio (2023) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

0.02

Interest coverage (2023) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
A.M.C. CONSEIL & FINANCE

Sector positioning

Liquidity ratio
0.02 2023
2020
2021
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Watch -30 pts over 3 years

In 2023, the liquidity ratio of A.M.C. CONSEIL & FINANCE (0.02) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.0x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average

In 2023, the interest coverage of A.M.C. CONSEIL & FINANCE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 12 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 344 days. Excellent situation: suppliers finance 332 days of the operating cycle (retail model). WCR is negative (-158 days): operations structurally generate cash. Notable WCR improvement over the period (-510%), freeing up cash.

Operating WCR (2023) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

-28 021 €

Customer credit (2023) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

12 j

Supplier credit (2023) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

344 j

Inventory turnover (2023) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2023) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-158 j

WCR and payment terms evolution
A.M.C. CONSEIL & FINANCE

Positioning of A.M.C. CONSEIL & FINANCE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of A.M.C. CONSEIL & FINANCE is estimated at 23 589 € (range 6 575€ - 44 232€). With an EBITDA of 147€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (in line with sector norms). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.

Estimated enterprise value 2023
193 transactions
6k€ 23k€ 44k€
23 589 € Range: 6 575€ - 44 232€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
147 € × 1.2x
Estimation 178 €
46€ - 908€
Revenue Multiple 30%
63 728 € × 0.98x
Estimation 62 608 €
17 459€ - 116 440€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare A.M.C. CONSEIL & FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about A.M.C. CONSEIL & FINANCE

What is the revenue of A.M.C. CONSEIL & FINANCE ?

The revenue of A.M.C. CONSEIL & FINANCE in 2023 is 64 k€.

Is A.M.C. CONSEIL & FINANCE profitable?

A.M.C. CONSEIL & FINANCE recorded a net loss in 2023.

Where is the headquarters of A.M.C. CONSEIL & FINANCE ?

The headquarters of A.M.C. CONSEIL & FINANCE is located in EYBENS (38320), in the department Isere.

Where to find the tax return of A.M.C. CONSEIL & FINANCE ?

The tax return of A.M.C. CONSEIL & FINANCE is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does A.M.C. CONSEIL & FINANCE operate?

A.M.C. CONSEIL & FINANCE operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.