ASSURANCES ET COURTAGES CHAMPERET : revenue, balance sheet and financial ratios

ASSURANCES ET COURTAGES CHAMPERET is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in JOINVILLE-LE-PONT (94340), this company of category PME shows in 2017 a revenue of 97 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 ET COURTAGES CHAMPERET (SIREN 530186428)
Indicator 2017 2016 2015
Revenue 97 425 € 99 790 € 119 591 €
Net income 7 482 € 13 543 € 16 128 €
EBITDA 9 423 € 11 516 € 20 438 €
Net margin 7.7% 13.6% 13.5%

Revenue and income statement

In 2017, ASSURANCES ET COURTAGES CHAMPERET achieves revenue of 97 k€. Revenue is declining over the period 2015-2017 (CAGR: -9.7%). Slight decline of -2% vs 2016. After deducting consumption (0 €), gross margin stands at 97 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 9 k€, representing 9.7% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 7 k€, i.e. 7.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

97 425 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

97 425 €

EBITDA (2017) ?
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

9 423 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

9 423 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

7 482 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

9.7%

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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 49%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 54%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 8.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 7.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

48.711%

Financial autonomy (2017) ?
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

53.673%

Cash flow / Revenue (2017) ?
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

7.68%

Repayment capacity (2017) ?
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

8.25

Solvency indicators evolution
ASSURANCES ET COURTAGES CHAMPERET

Sector positioning

Debt ratio
48.71 2017
2015
2016
2017
Q1: 0.02
Med: 9.63
Q3: 58.5
Average

In 2017, the debt ratio of ASSURANCES ET COURTAGES C... (48.71) 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
53.67% 2017
2015
2016
2017
Q1: 15.61%
Med: 45.08%
Q3: 71.97%
Good

In 2017, the financial autonomy of ASSURANCES ET COURTAGES C... (53.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
8.25 years 2017
2015
2016
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Watch

In 2017, the repayment capacity of ASSURANCES ET COURTAGES C... (8.25) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 19.82. 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 10.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2017) ?
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

19.818

Interest coverage (2017) ?
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

10.007

Liquidity indicators evolution
ASSURANCES ET COURTAGES CHAMPERET

Sector positioning

Liquidity ratio
19.82 2017
2015
2016
2017
Q1: 108.69
Med: 195.17
Q3: 426.47
Watch -16 pts over 3 years

In 2017, the liquidity ratio of ASSURANCES ET COURTAGES C... (19.82) 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
10.01x 2017
2015
2016
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.77x
Excellent

In 2017, the interest coverage of ASSURANCES ET COURTAGES C... (10.0x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 25 days. Favorable situation: supplier credit is longer than customer credit by 25 days. WCR is negative (-184 days): operations structurally generate cash. Notable WCR improvement over the period (-95%), freeing up cash.

Operating WCR (2017) ?
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

-49 695 €

Customer credit (2017) ?
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 (2017) ?
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

25 j

Inventory turnover (2017) ?
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 (2017) ?
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

-184 j

WCR and payment terms evolution
ASSURANCES ET COURTAGES CHAMPERET

Positioning of ASSURANCES ET COURTAGES CHAMPERET 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 (20 transactions). This range of 12 610€ to 77 880€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2017
Indicative
12k€ 17k€ 77k€
17 674 € Range: 12 610€ - 77 880€
NAF 5 année 2017

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 ET COURTAGES CHAMPERET 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 ET COURTAGES CHAMPERET

What is the revenue of ASSURANCES ET COURTAGES CHAMPERET ?

The revenue of ASSURANCES ET COURTAGES CHAMPERET in 2017 is 97 k€.

Is ASSURANCES ET COURTAGES CHAMPERET profitable?

Yes, ASSURANCES ET COURTAGES CHAMPERET generated a net profit of 7 k€ in 2017.

Where is the headquarters of ASSURANCES ET COURTAGES CHAMPERET ?

The headquarters of ASSURANCES ET COURTAGES CHAMPERET is located in JOINVILLE-LE-PONT (94340), in the department Val-de-Marne.

Where to find the tax return of ASSURANCES ET COURTAGES CHAMPERET ?

The tax return of ASSURANCES ET COURTAGES CHAMPERET 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 ET COURTAGES CHAMPERET operate?

ASSURANCES ET COURTAGES CHAMPERET 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.