SIREN : 488683061
ARFINCO is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VERSAILLES (78000), this company of category PME shows in 2024 a revenue of 1.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 562 271 € | 2 074 300 € | 1 690 976 € | 2 016 616 € | 1 922 070 € | 1 470 797 € | 1 648 488 € | 1 055 710 € | 1 397 899 € |
| Net income | 157 895 € | 290 791 € | 158 023 € | 514 181 € | 313 813 € | 52 010 € | 89 989 € | 103 225 € | 206 216 € |
| EBITDA | 255 310 € | 354 502 € | 317 044 € | 630 613 € | 358 146 € | -40 992 € | 110 736 € | -62 504 € | 272 314 € |
| Net margin | 10.1% | 14.0% | 9.3% | 25.5% | 16.3% | 3.5% | 5.5% | 9.8% | 14.8% |
In 2024, ARFINCO achieves revenue of 1.6 M€. Revenue is growing positively over 9 years (CAGR: +1.4%). Significant drop of -25% vs 2023. After deducting consumption (0 €), gross margin stands at 1.6 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 255 k€, representing 16.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 158 k€, i.e. 10.1% of revenue. This profit can be retained or distributed to shareholders.
1 562 271 €
1 562 271 €
255 310 €
210 608 €
157 895 €
16.3%
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 70%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 13.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
70.161%
12.972%
0.0
31.2%
In 2024, the debt ratio of ARFINCO (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.
In 2024, the financial autonomy of ARFINCO (70.2%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of ARFINCO (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 399.68. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
399.68
0.308
In 2024, the liquidity ratio of ARFINCO (399.68) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of ARFINCO (0.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 50 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 292 days. Excellent situation: suppliers finance 242 days of the operating cycle (retail model). Overall, WCR represents 241 days of revenue, i.e. 1.0 M€ to permanently finance. Over 2016-2024, WCR increased by +357%, requiring additional financing.
1 044 894 €
50 j
292 j
0 j
241 j
Based on 193 transactions of similar company sales (all years), the value of ARFINCO is estimated at 678 549 € (range 198 384€ - 1 935 396€). With an EBITDA of 255 310€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare ARFINCO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ARFINCO in 2024 is 1.6 M€.
Yes, ARFINCO generated a net profit of 158 k€ in 2024.
The headquarters of ARFINCO is located in VERSAILLES (78000), in the department Yvelines.
The tax return of ARFINCO 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).
ARFINCO 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.