SIREN : 789786977
BELVIA GARANTIES is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BALMA (31130), this company of category ETI shows in 2024 a revenue of 16.5 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16 461 244 € | 15 851 693 € | 14 464 813 € | 13 441 722 € | 10 372 904 € | 8 464 791 € | 6 094 301 € | 5 287 691 € | 5 922 159 € |
| Net income | 9 904 118 € | 9 616 673 € | 8 827 207 € | 8 387 420 € | 5 888 398 € | 3 688 592 € | 2 229 118 € | 1 859 454 € | 1 763 878 € |
| EBITDA | 13 384 771 € | 12 992 108 € | 11 910 949 € | 11 014 659 € | 8 142 018 € | 6 037 014 € | 3 441 970 € | 2 941 071 € | 3 266 948 € |
| Net margin | 60.2% | 60.7% | 61.0% | 62.4% | 56.8% | 43.6% | 36.6% | 35.2% | 29.8% |
In 2024, BELVIA GARANTIES achieves revenue of 16.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.6%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 16.5 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 13.4 M€, representing 81.3% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 9.9 M€, i.e. 60.2% of revenue. This profit can be retained or distributed to shareholders.
16 461 244 €
16 461 244 €
13 384 771 €
13 369 617 €
9 904 118 €
81.3%
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 76%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 60.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
11.779%
75.874%
60.231%
0.184
13.0%
In 2024, the debt ratio of BELVIA GARANTIES (11.78) 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 2024, the financial autonomy of BELVIA GARANTIES (75.9%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of BELVIA GARANTIES (0.18) 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 667.15. 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 1.0x. Danger: operating income does not cover interest charges, unsustainable situation.
667.153
0.973
In 2024, the liquidity ratio of BELVIA GARANTIES (667.15) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of BELVIA GARANTIES (1.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 320 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 110 days. The gap of 210 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 328 days of revenue, i.e. 15.0 M€ to permanently finance. Over 2016-2024, WCR increased by +250%, requiring additional financing.
14 976 604 €
320 j
110 j
0 j
328 j
Based on 193 transactions of similar company sales (all years), the value of BELVIA GARANTIES is estimated at 16 940 501 € (range 5 331 462€ - 68 581 963€). With an EBITDA of 13 384 771€, 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 BELVIA GARANTIES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BELVIA GARANTIES in 2024 is 16.5 M€.
Yes, BELVIA GARANTIES generated a net profit of 9.9 M€ in 2024.
The headquarters of BELVIA GARANTIES is located in BALMA (31130), in the department Haute-Garonne.
The tax return of BELVIA GARANTIES 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).
BELVIA GARANTIES 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.