SIREN : 491156618
BFK ASSURANCES is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLICHY (92110), this company of category PME shows in 2023 a revenue of 696 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2020 | 2016 |
|---|---|---|---|
| Revenue | 695 878 € | 304 191 € | 209 629 € |
| Net income | 69 676 € | 32 370 € | 7 805 € |
| EBITDA | 100 089 € | 44 891 € | 16 064 € |
| Net margin | 10.0% | 10.6% | 3.7% |
In 2023, BFK ASSURANCES achieves revenue of 696 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +18.7%. Vs 2020, growth of +129% (304 k€ -> 696 k€). After deducting consumption (0 €), gross margin stands at 696 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 100 k€, representing 14.4% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 70 k€, i.e. 10.0% of revenue. This profit can be retained or distributed to shareholders.
695 878 €
695 878 €
100 089 €
98 014 €
69 676 €
14.4%
The debt ratio (= Financial debt / Equity x 100) stands at 25%. 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 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 10.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
24.837%
11.202%
10.313%
0.593
20.1%
In 2023, the debt ratio of BFK ASSURANCES (24.84) 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 BFK ASSURANCES (11.2%) 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 BFK ASSURANCES (0.59) 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 199.51. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
199.514
0.424
In 2023, the liquidity ratio of BFK ASSURANCES (199.51) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2023, the interest coverage of BFK ASSURANCES (0.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 21 days. Favorable situation: supplier credit is longer than customer credit by 21 days. WCR is negative (-84 days): operations structurally generate cash. Notable WCR improvement over the period (-1199%), freeing up cash.
-161 924 €
0 j
21 j
0 j
-84 j
Based on 193 transactions of similar company sales (all years), the value of BFK ASSURANCES is estimated at 293 728 € (range 86 109€ - 818 752€). With an EBITDA of 100 089€, 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 BFK ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BFK ASSURANCES in 2023 is 696 k€.
Yes, BFK ASSURANCES generated a net profit of 70 k€ in 2023.
The headquarters of BFK ASSURANCES is located in CLICHY (92110), in the department Hauts-de-Seine.
The tax return of BFK 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).
BFK 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.