Employees: 12 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2005-12-22 (20 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: TARARE (69170), Rhone
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
ASSURANCES VALANTIN BERGER SARL is a French company
founded 20 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in TARARE (69170),
this company of category PME
shows in 2022 a revenue of 4.3 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - ASSURANCES VALANTIN BERGER SARL (SIREN 488227133)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
4 320 314 €
N/C
N/C
N/C
N/C
N/C
N/C
Net income
888 744 €
689 335 €
588 423 €
404 227 €
284 118 €
221 935 €
120 408 €
359 030 €
229 555 €
EBITDA
N/C
N/C
896 888 €
N/C
N/C
N/C
N/C
N/C
N/C
Net margin
N/C
N/C
13.6%
N/C
N/C
N/C
N/C
N/C
N/C
Revenue and income statement
In 2024, ASSURANCES VALANTIN BERGER SARL generates positive net income of 889 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 230 k€ -> 889 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
888 744 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 47%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 45%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
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
47.427%
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
45.208%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
4.985
1.925
6.342
4.567
13.25
8.945
23.85
16.76
47.427
Financial autonomy
67.065
76.739
72.746
66.365
62.708
64.154
54.437
54.592
45.208
Repayment capacity
None
None
None
None
None
None
0.816
None
None
Cash flow / Revenue
None%
None%
None%
None%
None%
None%
14.778%
None%
None%
Sector positioning
Debt ratio
47.432024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average+19 pts over 3 years
In 2024, the debt ratio of ASSURANCES VALANTIN BERGE... (47.43) 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
45.21%2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average-9 pts over 3 years
In 2024, the financial autonomy of ASSURANCES VALANTIN BERGE... (45.2%) 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
0.82 years2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average
In 2022, the repayment capacity of ASSURANCES VALANTIN BERGE... (0.82) 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 179.30. 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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
161.939
213.698
195.221
157.371
171.973
168.124
172.819
166.485
179.303
Interest coverage
None
None
None
None
None
None
0.325
None
None
Sector positioning
Liquidity ratio
179.32024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average
In 2024, the liquidity ratio of ASSURANCES VALANTIN BERGE... (179.30) 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
0.33x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good
In 2022, the interest coverage of ASSURANCES VALANTIN BERGE... (0.3x) 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.
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
0 €
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
0 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 and payment terms evolution ASSURANCES VALANTIN BERGER SARL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
0 €
0 €
0 €
0 €
0 €
0 €
-480 376 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
48
0
0
Supplier payment term (days)
0
0
0
0
0
0
22
0
0
Positioning of ASSURANCES VALANTIN BERGER SARL 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 VALANTIN BERGER SARL is estimated at
1 788 747 €
(range 846 112€ - 8 167 238€).
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 value2024
193 transactions
846k€1788k€8167k€
1 788 747 €Range: 846 112€ - 8 167 238€
NAF 5 all-time
Valuation method used
Net Income Multiple
888 744 €
×
2.0x
=1 788 748 €
Range: 846 112€ - 8 167 239€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 VALANTIN BERGER SARL with other companies in the same sector:
Frequently asked questions about ASSURANCES VALANTIN BERGER SARL
What is the revenue of ASSURANCES VALANTIN BERGER SARL ?
The revenue of ASSURANCES VALANTIN BERGER SARL in 2022 is 4.3 M€.
Is ASSURANCES VALANTIN BERGER SARL profitable?
Yes, ASSURANCES VALANTIN BERGER SARL generated a net profit of 889 k€ in 2024.
Where is the headquarters of ASSURANCES VALANTIN BERGER SARL ?
The headquarters of ASSURANCES VALANTIN BERGER SARL is located in TARARE (69170), in the department Rhone.
Where to find the tax return of ASSURANCES VALANTIN BERGER SARL ?
The tax return of ASSURANCES VALANTIN BERGER SARL 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 VALANTIN BERGER SARL operate?
ASSURANCES VALANTIN BERGER SARL 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.
Item evolution
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