ASSUR CONSULT PROVENCE : revenue, balance sheet and financial ratios

ASSUR CONSULT PROVENCE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-CYR-SUR-MER (83270), this company of category PME shows in 2023 a revenue of 248 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 - ASSUR CONSULT PROVENCE (SIREN 838335859)
Indicator 2023 2021 2020 2019
Revenue 247 733 € 159 849 € 119 337 € 54 002 €
Net income 68 752 € 75 196 € 50 455 € 34 061 €
EBITDA 89 308 € 97 265 € 63 560 € 40 521 €
Net margin 27.8% 47.0% 42.3% 63.1%

Revenue and income statement

In 2023, ASSUR CONSULT PROVENCE achieves revenue of 248 k€. Over the period 2019-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +46.4%. Vs 2021, growth of +55% (160 k€ -> 248 k€). After deducting consumption (0 €), gross margin stands at 248 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 89 k€, representing 36.1% of revenue. Warning negative scissor effect: despite revenue change (+55%), EBITDA varies by -8%, reducing margin by 24.8 pts. This reflects costs rising faster than 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 69 k€, i.e. 27.8% of revenue. This profit can be retained or distributed to shareholders.

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

247 733 €

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

247 733 €

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

89 308 €

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

86 576 €

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

68 752 €

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

36.0%

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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 8%. 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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 28.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

8.461%

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

6.918%

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

28.855%

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

0.348

Asset age ratio (2023) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

71.4%

Solvency indicators evolution
ASSUR CONSULT PROVENCE

Sector positioning

Debt ratio
8.46 2023
2020
2021
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Good -24 pts over 3 years

In 2023, the debt ratio of ASSUR CONSULT PROVENCE (8.46) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
6.92% 2023
2020
2021
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average -19 pts over 3 years

In 2023, the financial autonomy of ASSUR CONSULT PROVENCE (6.9%) 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
0.35 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of ASSUR CONSULT PROVENCE (0.35) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 518.56. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.

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

518.558

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

0.642

Liquidity indicators evolution
ASSUR CONSULT PROVENCE

Sector positioning

Liquidity ratio
518.56 2023
2020
2021
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Good +47 pts over 3 years

In 2023, the liquidity ratio of ASSUR CONSULT PROVENCE (518.56) 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.

Interest coverage
0.64x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good

In 2023, the interest coverage of ASSUR CONSULT PROVENCE (0.6x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 15 days. WCR is negative (-26 days): operations structurally generate cash. Notable WCR improvement over the period (-148%), 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

-18 181 €

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

24 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

39 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

-26 j

WCR and payment terms evolution
ASSUR CONSULT PROVENCE

Positioning of ASSUR CONSULT PROVENCE 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 ASSUR CONSULT PROVENCE is estimated at 154 749 € (range 47 415€ - 538 095€). With an EBITDA of 89 308€, 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
47k€ 154k€ 538k€
154 749 € Range: 47 415€ - 538 095€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
89 308 € × 1.2x
Estimation 108 121 €
27 927€ - 551 881€
Revenue Multiple 30%
247 733 € × 0.98x
Estimation 243 380 €
67 871€ - 452 644€
Net Income Multiple 20%
68 752 € × 2.0x
Estimation 138 375 €
65 454€ - 631 806€

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 ASSUR CONSULT PROVENCE with other companies in the same sector:

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

Frequently asked questions about ASSUR CONSULT PROVENCE

What is the revenue of ASSUR CONSULT PROVENCE ?

The revenue of ASSUR CONSULT PROVENCE in 2023 is 248 k€.

Is ASSUR CONSULT PROVENCE profitable?

Yes, ASSUR CONSULT PROVENCE generated a net profit of 69 k€ in 2023.

Where is the headquarters of ASSUR CONSULT PROVENCE ?

The headquarters of ASSUR CONSULT PROVENCE is located in SAINT-CYR-SUR-MER (83270), in the department Var.

Where to find the tax return of ASSUR CONSULT PROVENCE ?

The tax return of ASSUR CONSULT PROVENCE 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 ASSUR CONSULT PROVENCE operate?

ASSUR CONSULT PROVENCE 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.