SIREN : 402859961
BENOIT ASSURANCES is a French company founded 30 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CAMBRAI (59400), this company of category PME shows in 2023 a revenue of 417 k€. 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 | 416 771 € | 420 277 € | 441 063 € | 478 355 € | 465 220 € | 470 704 € | 485 918 € |
| Net income | 27 869 € | -19 613 € | 20 854 € | 14 508 € | -42 827 € | -10 482 € | 17 521 € |
| EBITDA | 45 024 € | -12 834 € | 12 537 € | 12 364 € | -40 313 € | -17 523 € | 16 898 € |
| Net margin | 6.7% | -4.7% | 4.7% | 3.0% | -9.2% | -2.2% | 3.6% |
In 2023, BENOIT ASSURANCES achieves revenue of 417 k€. Activity remains stable over the period (CAGR: -2.5%). Slight decline of -1% vs 2022. After deducting consumption (0 €), gross margin stands at 417 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 45 k€, representing 10.8% of revenue. Positive scissor effect: EBITDA margin improves by +13.9 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 28 k€, i.e. 6.7% of revenue. This profit can be retained or distributed to shareholders.
416 771 €
416 771 €
45 024 €
33 577 €
27 869 €
10.8%
The debt ratio (= Financial debt / Equity x 100) stands at 74%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
74.343%
13.247%
7.23%
2.481
5.0%
In 2023, the debt ratio of BENOIT ASSURANCES (74.34) 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 BENOIT ASSURANCES (13.2%) 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 BENOIT ASSURANCES (2.48) 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 121.02. 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 1.5x. Coverage is limited: any activity downturn would jeopardize interest payments.
121.021
1.508
In 2023, the liquidity ratio of BENOIT ASSURANCES (121.02) 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 BENOIT ASSURANCES (1.5x) 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: 480 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1058 days. Excellent situation: suppliers finance 578 days of the operating cycle (retail model). Overall, WCR represents 490 days of revenue, i.e. 567 k€ to permanently finance. Over 2017-2023, WCR increased by +852%, requiring additional financing.
566 825 €
480 j
1058 j
0 j
490 j
Based on 193 transactions of similar company sales (all years), the value of BENOIT ASSURANCES is estimated at 161 306 € (range 46 600€ - 418 785€). With an EBITDA of 45 024€, 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 BENOIT ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BENOIT ASSURANCES in 2023 is 417 k€.
Yes, BENOIT ASSURANCES generated a net profit of 28 k€ in 2023.
The headquarters of BENOIT ASSURANCES is located in CAMBRAI (59400), in the department Nord.
The tax return of BENOIT 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).
BENOIT 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.