BIEN MIEUX ASSURE : revenue, balance sheet and financial ratios

BIEN MIEUX ASSURE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2020 a revenue of 871 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 - BIEN MIEUX ASSURE (SIREN 523495075)
Indicator 2023 2020 2019 2017 2016
Revenue N/C 871 335 € 861 567 € 823 554 € 778 380 €
Net income 149 727 € 40 758 € 62 746 € 36 232 € -10 674 €
EBITDA N/C 103 884 € 101 697 € 75 377 € 13 221 €
Net margin N/C 4.7% 7.3% 4.4% -1.4%

Revenue and income statement

In 2023, BIEN MIEUX ASSURE generates positive net income of 150 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

149 727 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 53%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

52.852%

Financial autonomy (2023) ?
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

60.356%

Asset age ratio (2023) ?
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

72.9%

Solvency indicators evolution
BIEN MIEUX ASSURE

Sector positioning

Debt ratio
52.85 2023
2019
2020
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average +21 pts over 3 years

In 2023, the debt ratio of BIEN MIEUX ASSURE (52.85) 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
60.36% 2023
2019
2020
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Good -13 pts over 3 years

In 2023, the financial autonomy of BIEN MIEUX ASSURE (60.4%) 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.

Repayment capacity
2.24 years 2020
2019
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Average +7 pts over 2 years

In 2020, the repayment capacity of BIEN MIEUX ASSURE (2.24) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 245.66. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

245.655

Liquidity indicators evolution
BIEN MIEUX ASSURE

Sector positioning

Liquidity ratio
245.66 2023
2019
2020
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Good +11 pts over 3 years

In 2023, the liquidity ratio of BIEN MIEUX ASSURE (245.66) 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
2.11x 2020
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Excellent

In 2020, the interest coverage of BIEN MIEUX ASSURE (2.1x) 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 (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
BIEN MIEUX ASSURE

Positioning of BIEN MIEUX ASSURE 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 BIEN MIEUX ASSURE is estimated at 301 350 € (range 142 544€ - 1 375 937€). 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 2023
193 transactions
142k€ 301k€ 1375k€
301 350 € Range: 142 544€ - 1 375 937€
NAF 5 all-time

Valuation method used

Net Income Multiple
149 727 € × 2.0x = 301 351 €
Range: 142 545€ - 1 375 937€

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 BIEN MIEUX ASSURE with other companies in the same sector:

Frequently asked questions about BIEN MIEUX ASSURE

What is the revenue of BIEN MIEUX ASSURE ?

The revenue of BIEN MIEUX ASSURE in 2020 is 871 k€.

Is BIEN MIEUX ASSURE profitable?

Yes, BIEN MIEUX ASSURE generated a net profit of 150 k€ in 2023.

Where is the headquarters of BIEN MIEUX ASSURE ?

The headquarters of BIEN MIEUX ASSURE is located in NICE (06000), in the department Alpes-Maritimes.

Where to find the tax return of BIEN MIEUX ASSURE ?

The tax return of BIEN MIEUX ASSURE 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 BIEN MIEUX ASSURE operate?

BIEN MIEUX ASSURE 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.