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ASSURANCES ET CREDITS BEJANIN : revenue, balance sheet and financial ratios

ASSURANCES ET CREDITS BEJANIN is a French company founded 35 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in GRENOBLE (38100), this company of category PME has financial data available below. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - ASSURANCES ET CREDITS BEJANIN (SIREN 379675929)
Indicator 2016
Revenue N/C
Net income 0 €
EBITDA N/C
Net margin N/C

Revenue and income statement

In 2016, ASSURANCES ET CREDITS BEJANIN records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 275%. 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 70%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

274.593%

Financial autonomy (2016) ?
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

70.02%

Asset age ratio (2016) ?
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

14.5%

Solvency indicators evolution
ASSURANCES ET CREDITS BEJANIN

Sector positioning

Debt ratio
274.59 2016
2016
Q1: 0.0
Med: 7.68
Q3: 54.19
Watch

In 2016, the debt ratio of ASSURANCES ET CREDITS BEJ... (274.59) 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
70.02% 2016
2016
Q1: 11.77%
Med: 42.8%
Q3: 70.67%
Good

In 2016, the financial autonomy of ASSURANCES ET CREDITS BEJ... (70.0%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 66.66. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2016) ?
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

66.655

Liquidity indicators evolution
ASSURANCES ET CREDITS BEJANIN

Sector positioning

Liquidity ratio
66.66 2016
2016
Q1: 106.39
Med: 191.21
Q3: 431.0
Watch

In 2016, the liquidity ratio of ASSURANCES ET CREDITS BEJ... (66.66) 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.

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: 4914 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 18946 days. Excellent situation: suppliers finance 14032 days of the operating cycle (retail model).

Operating WCR (2016) ?
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

0 €

Customer credit (2016) ?
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

4914 j

Supplier credit (2016) ?
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

18946 j

Inventory turnover (2016) ?
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 and payment terms evolution
ASSURANCES ET CREDITS BEJANIN

Positioning of ASSURANCES ET CREDITS BEJANIN in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare ASSURANCES ET CREDITS BEJANIN 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 CREDITS BEJANIN

What is the revenue of ASSURANCES ET CREDITS BEJANIN ?

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

Is ASSURANCES ET CREDITS BEJANIN profitable?

Profitability information is not publicly available.

Where is the headquarters of ASSURANCES ET CREDITS BEJANIN ?

The headquarters of ASSURANCES ET CREDITS BEJANIN is located in GRENOBLE (38100), in the department Isere.

Where to find the tax return of ASSURANCES ET CREDITS BEJANIN ?

The tax return of ASSURANCES ET CREDITS BEJANIN 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 CREDITS BEJANIN operate?

ASSURANCES ET CREDITS BEJANIN 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.