ASSURANCES CONSEILS FINANCIERS : revenue, balance sheet and financial ratios

ASSURANCES CONSEILS FINANCIERS is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-ANDRE (97440), this company of category PME shows in 2022 a revenue of 447 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - ASSURANCES CONSEILS FINANCIERS (SIREN 399878081)
Indicator 2022 2020 2019 2018 2016 2015
Revenue 446 656 € 422 754 € 429 398 € 386 811 € 371 503 € 359 265 €
Net income -509 € 132 420 € 62 896 € 18 988 € 12 915 € -165 135 €
EBITDA 11 281 € 31 334 € 3 305 € 8 672 € -10 754 € 11 482 €
Net margin -0.1% 31.3% 14.6% 4.9% 3.5% -46.0%

Revenue and income statement

In 2022, ASSURANCES CONSEILS FINANCIERS achieves revenue of 447 k€. Revenue is growing positively over 6 years (CAGR: +3.2%). Vs 2020: +6%. After deducting consumption (0 €), gross margin stands at 447 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 11 k€, representing 2.5% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -64%, reducing margin by 4.9 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -509 € (-0.1% of revenue), which will impact equity.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

446 656 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

446 656 €

EBITDA (2022) ?
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

11 281 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-4 756 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-509 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.5%

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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 29%. 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 26%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 3.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

28.693%

Financial autonomy (2022) ?
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

26.302%

Cash flow / Revenue (2022) ?
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

3.817%

Repayment capacity (2022) ?
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

2.309

Asset age ratio (2022) ?
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

29.8%

Solvency indicators evolution
ASSURANCES CONSEILS FINANCIERS

Sector positioning

Debt ratio
28.69 2022
2019
2020
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Average +33 pts over 3 years

In 2022, the debt ratio of ASSURANCES CONSEILS FINAN... (28.69) 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
26.3% 2022
2019
2020
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Average +7 pts over 3 years

In 2022, the financial autonomy of ASSURANCES CONSEILS FINAN... (26.3%) 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
2.31 years 2022
2019
2020
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average +24 pts over 3 years

In 2022, the repayment capacity of ASSURANCES CONSEILS FINAN... (2.31) 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 80.07. 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 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2022) ?
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

80.073

Interest coverage (2022) ?
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

1.897

Liquidity indicators evolution
ASSURANCES CONSEILS FINANCIERS

Sector positioning

Liquidity ratio
80.07 2022
2019
2020
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Watch

In 2022, the liquidity ratio of ASSURANCES CONSEILS FINAN... (80.07) 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
1.9x 2022
2019
2020
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Good +22 pts over 3 years

In 2022, the interest coverage of ASSURANCES CONSEILS FINAN... (1.9x) 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: 75 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 342 days. Excellent situation: suppliers finance 267 days of the operating cycle (retail model). WCR is negative (-63 days): operations structurally generate cash. Over 2015-2022, WCR increased by +82%, requiring additional financing.

Operating WCR (2022) ?
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

-78 058 €

Customer credit (2022) ?
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

75 j

Supplier credit (2022) ?
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

342 j

Inventory turnover (2022) ?
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 (2022) ?
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

-63 j

WCR and payment terms evolution
ASSURANCES CONSEILS FINANCIERS

Positioning of ASSURANCES CONSEILS FINANCIERS 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 ASSURANCES CONSEILS FINANCIERS is estimated at 173 088 € (range 48 093€ - 349 609€). With an EBITDA of 11 281€, 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 2022
193 transactions
48k€ 173k€ 349k€
173 088 € Range: 48 093€ - 349 609€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
11 281 € × 1.2x
Estimation 13 657 €
3 528€ - 69 711€
Revenue Multiple 30%
446 656 € × 0.98x
Estimation 438 807 €
122 369€ - 816 106€

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 ASSURANCES CONSEILS FINANCIERS 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 CONSEILS FINANCIERS

What is the revenue of ASSURANCES CONSEILS FINANCIERS ?

The revenue of ASSURANCES CONSEILS FINANCIERS in 2022 is 447 k€.

Is ASSURANCES CONSEILS FINANCIERS profitable?

ASSURANCES CONSEILS FINANCIERS recorded a net loss in 2022.

Where is the headquarters of ASSURANCES CONSEILS FINANCIERS ?

The headquarters of ASSURANCES CONSEILS FINANCIERS is located in SAINT-ANDRE (97440), in the department La Reunion.

Where to find the tax return of ASSURANCES CONSEILS FINANCIERS ?

The tax return of ASSURANCES CONSEILS FINANCIERS 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 CONSEILS FINANCIERS operate?

ASSURANCES CONSEILS FINANCIERS 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.