ATHANOR ASSURANCE FINANCE CONSEIL : revenue, balance sheet and financial ratios

ATHANOR ASSURANCE FINANCE CONSEIL is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE PRE-SAINT-GERVAIS (93310), this company of category PME shows in 2020 a revenue of 778€. 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 - ATHANOR ASSURANCE FINANCE CONSEIL (SIREN 521452037)
Indicator 2020 2019 2018 2017
Revenue 778 € 890 € 1 060 € 976 €
Net income -7 703 € -13 271 € -3 211 € -556 €
EBITDA -7 704 € -13 271 € -3 211 € -545 €
Net margin -990.1% -1491.1% -302.9% -57.0%

Revenue and income statement

In 2020, ATHANOR ASSURANCE FINANCE CONSEIL achieves revenue of 778 €. Revenue is declining over the period 2017-2020 (CAGR: -7.3%). Significant drop of -13% vs 2019. After deducting consumption (0 €), gross margin stands at 778 €, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -8 k€, representing -990.2% of revenue. Positive scissor effect: EBITDA margin improves by +500.9 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -8 k€ (-990.1% of revenue), which will impact equity.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

778 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

778 €

EBITDA (2020) ?
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

-7 704 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-7 703 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-7 703 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-990.2%

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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 -63%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-63.254%

Cash flow / Revenue (2020) ?
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

-990.103%

Repayment capacity (2020) ?
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

-2.195

Solvency indicators evolution
ATHANOR ASSURANCE FINANCE CONSEIL

Sector positioning

Debt ratio
-63.25 2020
2018
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.1
Excellent

In 2020, the debt ratio of ATHANOR ASSURANCE FINANCE... (-63.25) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-6971.06% 2019
2018
2019
Q1: 15.63%
Med: 46.49%
Q3: 74.02%
Watch

In 2019, the financial autonomy of ATHANOR ASSURANCE FINANCE... (-6971.1%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-2.19 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Excellent

In 2020, the repayment capacity of ATHANOR ASSURANCE FINANCE... (-2.19) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

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: 363 days. Excellent situation: suppliers finance 363 days of the operating cycle (retail model). WCR is negative (-278 days): operations structurally generate cash. Over 2017-2020, WCR increased by +87%, requiring additional financing.

Operating WCR (2020) ?
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

-600 €

Customer credit (2020) ?
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 (2020) ?
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

363 j

Inventory turnover (2020) ?
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 (2020) ?
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

-278 j

WCR and payment terms evolution
ATHANOR ASSURANCE FINANCE CONSEIL

Positioning of ATHANOR ASSURANCE FINANCE CONSEIL 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 134€ to 430€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
0k€ 0k€ 0k€
245 € Range: 134€ - 430€
NAF 5 année 2020

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 ATHANOR ASSURANCE FINANCE CONSEIL with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ATHANOR ASSURANCE FINANCE CONSEIL

What is the revenue of ATHANOR ASSURANCE FINANCE CONSEIL ?

The revenue of ATHANOR ASSURANCE FINANCE CONSEIL in 2020 is 778€.

Is ATHANOR ASSURANCE FINANCE CONSEIL profitable?

ATHANOR ASSURANCE FINANCE CONSEIL recorded a net loss in 2020.

Where is the headquarters of ATHANOR ASSURANCE FINANCE CONSEIL ?

The headquarters of ATHANOR ASSURANCE FINANCE CONSEIL is located in LE PRE-SAINT-GERVAIS (93310), in the department Seine-Saint-Denis.

Where to find the tax return of ATHANOR ASSURANCE FINANCE CONSEIL ?

The tax return of ATHANOR ASSURANCE FINANCE CONSEIL 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 ATHANOR ASSURANCE FINANCE CONSEIL operate?

ATHANOR ASSURANCE FINANCE CONSEIL 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.