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ASSURANCES BERGER ET FILS : revenue, balance sheet and financial ratios

ASSURANCES BERGER ET FILS is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BRIVE-LA-GAILLARDE (19100), this company of category PME shows in 2018 a net income positive of 58 k€. 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

Financial history - ASSURANCES BERGER ET FILS (SIREN 494459852)
Indicator 2018 2017 2016
Revenue N/C N/C N/C
Net income 58 189 € 83 251 € 81 134 €
EBITDA N/C N/C N/C
Net margin N/C N/C N/C

Revenue and income statement

In 2018, ASSURANCES BERGER ET FILS generates positive net income of 58 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2018: 81 k€ -> 58 k€.

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

58 189 €

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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 18%. 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 83%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

17.524%

Financial autonomy (2018) ?
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

83.134%

Asset age ratio (2018) ?
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

26.3%

Solvency indicators evolution
ASSURANCES BERGER ET FILS

Sector positioning

Debt ratio
17.52 2018
2016
2017
2018
Q1: 0.01
Med: 9.38
Q3: 55.7
Average

In 2018, the debt ratio of ASSURANCES BERGER ET FILS (17.52) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
83.13% 2018
2016
2017
2018
Q1: 14.67%
Med: 45.08%
Q3: 73.22%
Excellent

In 2018, the financial autonomy of ASSURANCES BERGER ET FILS (83.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 447.47. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2018) ?
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

447.47

Liquidity indicators evolution
ASSURANCES BERGER ET FILS

Sector positioning

Liquidity ratio
447.47 2018
2016
2017
2018
Q1: 109.41
Med: 206.71
Q3: 452.42
Good +17 pts over 3 years

In 2018, the liquidity ratio of ASSURANCES BERGER ET FILS (447.47) 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.

Positioning of ASSURANCES BERGER ET FILS in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 89 448€ to 798 364€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2018
Indicative
89k€ 166k€ 798k€
166 523 € Range: 89 448€ - 798 364€
NAF 5 année 2018

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 31 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 ASSURANCES BERGER ET FILS with other companies in the same sector:

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

Frequently asked questions about ASSURANCES BERGER ET FILS

What is the revenue of ASSURANCES BERGER ET FILS ?

The revenue of ASSURANCES BERGER ET FILS is not publicly disclosed (confidential accounts filed with INPI).

Is ASSURANCES BERGER ET FILS profitable?

Yes, ASSURANCES BERGER ET FILS generated a net profit of 58 k€ in 2018.

Where is the headquarters of ASSURANCES BERGER ET FILS ?

The headquarters of ASSURANCES BERGER ET FILS is located in BRIVE-LA-GAILLARDE (19100), in the department Correze.

Where to find the tax return of ASSURANCES BERGER ET FILS ?

The tax return of ASSURANCES BERGER ET FILS 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 ASSURANCES BERGER ET FILS operate?

ASSURANCES BERGER ET FILS 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.