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ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS : revenue, balance sheet and financial ratios

ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHEVILLY-LARUE (94550), this company of category PME shows in 2019 a revenue of 560 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS (SIREN 533267498)
Indicator 2019
Revenue 560 079 €
Net income 29 288 €
EBITDA 36 830 €
Net margin 5.2%

Revenue and income statement

In 2019, ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS achieves revenue of 560 k€. After deducting consumption (0 €), gross margin stands at 560 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 37 k€, representing 6.6% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 5.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

560 079 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

560 079 €

EBITDA (2019) ?
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

36 830 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

36 047 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

29 288 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

6.6%

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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 213%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. 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 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

212.555%

Financial autonomy (2019) ?
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

23.142%

Cash flow / Revenue (2019) ?
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

5.37%

Repayment capacity (2019) ?
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

2.337

Asset age ratio (2019) ?
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

87.0%

Solvency indicators evolution
ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS

Sector positioning

Debt ratio
212.56 2019
2019
Q1: 0.02
Med: 10.37
Q3: 63.27
Watch

In 2019, the debt ratio of ASSURANCES CONSEILS GESTI... (212.56) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
23.14% 2019
2019
Q1: 15.58%
Med: 46.47%
Q3: 74.04%
Average

In 2019, the financial autonomy of ASSURANCES CONSEILS GESTI... (23.1%) 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
2.34 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.26 years
Average

In 2019, the repayment capacity of ASSURANCES CONSEILS GESTI... (2.34) 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 168.53. 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 2.3x. Financial charges are adequately covered by operations.

Liquidity ratio (2019) ?
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

168.535

Interest coverage (2019) ?
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

2.267

Liquidity indicators evolution
ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS

Sector positioning

Liquidity ratio
168.53 2019
2019
Q1: 110.23
Med: 205.98
Q3: 471.94
Average

In 2019, the liquidity ratio of ASSURANCES CONSEILS GESTI... (168.53) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
2.27x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.31x
Good

In 2019, the interest coverage of ASSURANCES CONSEILS GESTI... (2.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 10 days. WCR is negative (-18 days): operations structurally generate cash.

Operating WCR (2019) ?
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

-27 976 €

Customer credit (2019) ?
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

2 j

Supplier credit (2019) ?
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

12 j

Inventory turnover (2019) ?
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 (2019) ?
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

-18 j

WCR and payment terms evolution
ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS

Positioning of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS 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 (38 transactions). This range of 95 002€ to 413 103€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
95k€ 249k€ 413k€
249 952 € Range: 95 002€ - 413 103€
NAF 5 année 2019
How is this estimate calculated?

This estimate is based on the analysis of 38 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 GESTION ENTREPRISES PARTICULIERS 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 GESTION ENTREPRISES PARTICULIERS

What is the revenue of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS ?

The revenue of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS in 2019 is 560 k€.

Is ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS profitable?

Yes, ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS generated a net profit of 29 k€ in 2019.

Where is the headquarters of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS ?

The headquarters of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS is located in CHEVILLY-LARUE (94550), in the department Val-de-Marne.

Where to find the tax return of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS ?

The tax return of ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS 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 GESTION ENTREPRISES PARTICULIERS operate?

ASSURANCES CONSEILS GESTION ENTREPRISES PARTICULIERS 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.