ASSURANCES COULEURS COURTAGE VENDEE : revenue, balance sheet and financial ratios

ASSURANCES COULEURS COURTAGE VENDEE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LES SABLES D'OLONNE (85100), this company of category PME shows in 2024 a revenue of 1 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 COULEURS COURTAGE VENDEE (SIREN 789500139)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 411 € 18 719 € 13 223 € 12 861 € 20 065 € 23 262 € 20 080 € 26 958 € 51 275 €
Net income 7 556 € 4 387 € 2 113 € 24 906 € -5 536 € 6 115 € 3 413 € 6 794 € 979 €
EBITDA -10 227 € 5 967 € 3 078 € 5 989 € 12 163 € 11 016 € 7 615 € 13 415 € 6 289 €
Net margin 535.5% 23.4% 16.0% 193.7% -27.6% 26.3% 17.0% 25.2% 1.9%

Revenue and income statement

In 2024, ASSURANCES COULEURS COURTAGE VENDEE achieves revenue of 1 k€. Revenue is declining over the period 2016-2024 (CAGR: -36.2%). Significant drop of -92% vs 2023. After deducting consumption (0 €), gross margin stands at 1 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 -10 k€, representing -724.8% of revenue. Warning negative scissor effect: despite revenue change (-92%), EBITDA varies by -271%, reducing margin by 756.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 8 k€, i.e. 535.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 411 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 411 €

EBITDA (2024) ?
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

-10 227 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-10 226 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

7 556 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-724.8%

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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 16%. 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 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 535.4% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

16.191%

Financial autonomy (2024) ?
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

12.593%

Cash flow / Revenue (2024) ?
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

535.436%

Repayment capacity (2024) ?
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

2.505

Solvency indicators evolution
ASSURANCES COULEURS COURTAGE VENDEE

Sector positioning

Debt ratio
16.19 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average

In 2024, the debt ratio of ASSURANCES COULEURS COURT... (16.19) 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
12.59% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of ASSURANCES COULEURS COURT... (12.6%) 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
2.5 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of ASSURANCES COULEURS COURT... (2.50) 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 4.59. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

4.593

Interest coverage (2024) ?
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

-12.115

Liquidity indicators evolution
ASSURANCES COULEURS COURTAGE VENDEE

Sector positioning

Liquidity ratio
4.59 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Watch +16 pts over 3 years

In 2024, the liquidity ratio of ASSURANCES COULEURS COURT... (4.59) 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
-12.12x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average -50 pts over 3 years

In 2024, the interest coverage of ASSURANCES COULEURS COURT... (-12.1x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 317 days. Excellent situation: suppliers finance 317 days of the operating cycle (retail model). WCR is negative (-3592 days): operations structurally generate cash. Notable WCR improvement over the period (-121%), freeing up cash.

Operating WCR (2024) ?
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

-14 079 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

317 j

Inventory turnover (2024) ?
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 (2024) ?
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

-3592 j

WCR and payment terms evolution
ASSURANCES COULEURS COURTAGE VENDEE

Positioning of ASSURANCES COULEURS COURTAGE VENDEE 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 COULEURS COURTAGE VENDEE is estimated at 6 914 € (range 3 109€ - 29 321€). 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 2024
193 transactions
3k€ 6k€ 29k€
6 914 € Range: 3 109€ - 29 321€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
1 411 € × 0.98x
Estimation 1 386 €
387€ - 2 578€
Net Income Multiple 20%
7 556 € × 2.0x
Estimation 15 208 €
7 194€ - 69 437€

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 COULEURS COURTAGE VENDEE 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 COULEURS COURTAGE VENDEE

What is the revenue of ASSURANCES COULEURS COURTAGE VENDEE ?

The revenue of ASSURANCES COULEURS COURTAGE VENDEE in 2024 is 1 k€.

Is ASSURANCES COULEURS COURTAGE VENDEE profitable?

Yes, ASSURANCES COULEURS COURTAGE VENDEE generated a net profit of 8 k€ in 2024.

Where is the headquarters of ASSURANCES COULEURS COURTAGE VENDEE ?

The headquarters of ASSURANCES COULEURS COURTAGE VENDEE is located in LES SABLES D'OLONNE (85100), in the department Vendee.

Where to find the tax return of ASSURANCES COULEURS COURTAGE VENDEE ?

The tax return of ASSURANCES COULEURS COURTAGE VENDEE 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 COULEURS COURTAGE VENDEE operate?

ASSURANCES COULEURS COURTAGE VENDEE 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.