AVIZIA : revenue, balance sheet and financial ratios

AVIZIA is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category PME shows in 2020 a revenue of 390 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - AVIZIA (SIREN 523940039)
Indicator 2021 2020 2018 2017 2016
Revenue N/C 389 790 € 295 161 € 231 129 € 232 020 €
Net income 30 989 € 24 954 € 54 255 € 36 910 € 34 172 €
EBITDA N/C 30 216 € 69 983 € 47 196 € 41 764 €
Net margin N/C 6.4% 18.4% 16.0% 14.7%

Revenue and income statement

In 2021, AVIZIA generates positive net income of 31 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2021: 34 k€ -> 31 k€.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

30 989 €

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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 104%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 33%. The balance between equity and debt is satisfactory.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

104.253%

Financial autonomy (2021) ?
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

32.889%

Asset age ratio (2021) ?
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

41.8%

Solvency indicators evolution
AVIZIA

Sector positioning

Debt ratio
104.25 2021
2018
2020
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Average +38 pts over 3 years

In 2021, the debt ratio of AVIZIA (104.25) 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
32.89% 2021
2018
2020
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Average -32 pts over 3 years

In 2021, the financial autonomy of AVIZIA (32.9%) 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
0.53 years 2020
2018
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Average

In 2020, the repayment capacity of AVIZIA (0.53) 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 300.60. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

300.598

Liquidity indicators evolution
AVIZIA

Sector positioning

Liquidity ratio
300.6 2021
2018
2020
2021
Q1: 120.97
Med: 222.61
Q3: 474.51
Good -7 pts over 3 years

In 2021, the liquidity ratio of AVIZIA (300.60) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2020
2018
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Average

In 2020, the interest coverage of AVIZIA (0.0x) 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.

Operating WCR (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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
AVIZIA

Positioning of AVIZIA 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 (44 transactions). This range of 27 082€ to 247 836€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
27k€ 38k€ 247k€
38 224 € Range: 27 082€ - 247 836€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 AVIZIA with other companies in the same sector:

Frequently asked questions about AVIZIA

What is the revenue of AVIZIA ?

The revenue of AVIZIA in 2020 is 390 k€.

Is AVIZIA profitable?

Yes, AVIZIA generated a net profit of 31 k€ in 2021.

Where is the headquarters of AVIZIA ?

The headquarters of AVIZIA is located in PARIS (75017), in the department Paris.

Where to find the tax return of AVIZIA ?

The tax return of AVIZIA 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 AVIZIA operate?

AVIZIA 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.