SIREN : 797566833
BALOO is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARSEILLE (13010), this company of category ETI shows in 2023 a revenue of 17.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 17 000 323 € | 14 286 838 € | 12 949 694 € | 11 749 417 € | 10 150 002 € | 9 497 735 € | 7 481 633 € |
| Net income | 1 167 466 € | 657 368 € | 366 398 € | 360 395 € | 306 245 € | 776 096 € | 502 648 € |
| EBITDA | 1 823 618 € | 1 019 223 € | 514 388 € | 746 336 € | 441 125 € | 1 236 614 € | 861 164 € |
| Net margin | 6.9% | 4.6% | 2.8% | 3.1% | 3.0% | 8.2% | 6.7% |
In 2023, BALOO achieves revenue of 17.0 M€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +14.7%. Vs 2022, growth of +19% (14.3 M€ -> 17.0 M€). After deducting consumption (0 €), gross margin stands at 17.0 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.8 M€, representing 10.7% of revenue. Positive scissor effect: EBITDA margin improves by +3.6 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.2 M€, i.e. 6.9% of revenue. This profit can be retained or distributed to shareholders.
17 000 323 €
17 000 323 €
1 823 618 €
1 947 529 €
1 167 466 €
10.7%
The debt ratio (= Financial debt / Equity x 100) stands at 83%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
82.782%
10.648%
4.932%
4.985
28.8%
In 2023, the debt ratio of BALOO (82.78) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of BALOO (10.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of BALOO (4.99) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 103.42. 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 8.2x. Operating income very largely covers interest expenses: high safety margin.
103.425
8.15
In 2023, the liquidity ratio of BALOO (103.42) 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.
In 2023, the interest coverage of BALOO (8.2x) 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) 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: 54 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). WCR is negative (-143 days): operations structurally generate cash. Notable WCR improvement over the period (-716%), freeing up cash.
-6 763 068 €
0 j
54 j
0 j
-143 j
Based on 193 transactions of similar company sales (all years), the value of BALOO is estimated at 6 584 308 € (range 1 904 671€ - 17 098 888€). With an EBITDA of 1 823 618€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (in line with sector norms). 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare BALOO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BALOO in 2023 is 17.0 M€.
Yes, BALOO generated a net profit of 1.2 M€ in 2023.
The headquarters of BALOO is located in MARSEILLE (13010), in the department Bouches-du-Rhone.
The tax return of BALOO 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).
BALOO 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.