BBA BERTRAND ET BERTRAND ASSURANCES : revenue, balance sheet and financial ratios

BBA BERTRAND ET BERTRAND ASSURANCES is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PERPIGNAN (66000), this company of category PME shows in 2022 a revenue of 979 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - BBA BERTRAND ET BERTRAND ASSURANCES (SIREN 481647717)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 979 435 € 898 552 € 793 746 € 823 585 € 893 488 € 803 323 € 870 127 €
Net income 202 656 € 126 523 € 130 125 € 108 265 € 162 056 € 134 837 € 231 772 € 168 992 € 149 911 €
EBITDA N/C N/C 138 644 € 150 990 € 239 531 € 196 720 € 342 623 € 256 515 € 232 512 €
Net margin N/C N/C 13.3% 12.0% 20.4% 16.4% 25.9% 21.0% 17.2%

Revenue and income statement

In 2024, BBA BERTRAND ET BERTRAND ASSURANCES generates positive net income of 203 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 150 k€ -> 203 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

202 656 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 12%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 84%. 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

12.144%

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

84.415%

Asset age ratio (2024) ?
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

13.5%

Solvency indicators evolution
BBA BERTRAND ET BERTRAND ASSURANCES

Sector positioning

Debt ratio
12.14 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average -9 pts over 3 years

In 2024, the debt ratio of BBA BERTRAND ET BERTRAND ... (12.14) 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
84.42% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of BBA BERTRAND ET BERTRAND ... (84.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
4.87 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Watch

In 2022, the repayment capacity of BBA BERTRAND ET BERTRAND ... (4.87) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 469.43. 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

469.427

Liquidity indicators evolution
BBA BERTRAND ET BERTRAND ASSURANCES

Sector positioning

Liquidity ratio
469.43 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good -8 pts over 3 years

In 2024, the liquidity ratio of BBA BERTRAND ET BERTRAND ... (469.43) 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
3.31x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of BBA BERTRAND ET BERTRAND ... (3.3x) 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) 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
BBA BERTRAND ET BERTRAND ASSURANCES

Positioning of BBA BERTRAND ET BERTRAND ASSURANCES 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 BBA BERTRAND ET BERTRAND ASSURANCES is estimated at 407 879 € (range 192 934€ - 1 862 336€). 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 value 2024
193 transactions
192k€ 407k€ 1862k€
407 879 € Range: 192 934€ - 1 862 336€
NAF 5 all-time

Valuation method used

Net Income Multiple
202 656 € × 2.0x = 407 880 €
Range: 192 935€ - 1 862 336€

Only this financial indicator is available for this company.

Valuation evolution

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 BBA BERTRAND ET BERTRAND ASSURANCES with other companies in the same sector:

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

Frequently asked questions about BBA BERTRAND ET BERTRAND ASSURANCES

What is the revenue of BBA BERTRAND ET BERTRAND ASSURANCES ?

The revenue of BBA BERTRAND ET BERTRAND ASSURANCES in 2022 is 979 k€.

Is BBA BERTRAND ET BERTRAND ASSURANCES profitable?

Yes, BBA BERTRAND ET BERTRAND ASSURANCES generated a net profit of 203 k€ in 2024.

Where is the headquarters of BBA BERTRAND ET BERTRAND ASSURANCES ?

The headquarters of BBA BERTRAND ET BERTRAND ASSURANCES is located in PERPIGNAN (66000), in the department Pyrenees-Orientales.

Where to find the tax return of BBA BERTRAND ET BERTRAND ASSURANCES ?

The tax return of BBA BERTRAND ET BERTRAND ASSURANCES 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 BBA BERTRAND ET BERTRAND ASSURANCES operate?

BBA BERTRAND ET BERTRAND ASSURANCES 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.