BIHEL - CHARTE ASSURANCES : revenue, balance sheet and financial ratios

BIHEL - CHARTE ASSURANCES is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BLOIS (41000), this company of category PME shows in 2022 a revenue of 828 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 - BIHEL - CHARTE ASSURANCES (SIREN 824269831)
Indicator 2023 2022 2021 2020
Revenue N/C 828 020 € 804 991 € 765 049 €
Net income 195 656 € 168 966 € 190 959 € 169 115 €
EBITDA N/C 229 858 € 264 837 € 216 975 €
Net margin N/C 20.4% 23.7% 22.1%

Revenue and income statement

In 2023, BIHEL - CHARTE ASSURANCES generates positive net income of 196 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2023: 169 k€ -> 196 k€.

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

195 656 €

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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 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 72%. 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

35.083%

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

72.002%

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

18.1%

Solvency indicators evolution
BIHEL - CHARTE ASSURANCES

Sector positioning

Debt ratio
35.08 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average -9 pts over 3 years

In 2023, the debt ratio of BIHEL - CHARTE ASSURANCES (35.08) 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
72.0% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Good +17 pts over 3 years

In 2023, the financial autonomy of BIHEL - CHARTE ASSURANCES (72.0%) 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
2.46 years 2022
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average

In 2022, the repayment capacity of BIHEL - CHARTE ASSURANCES (2.46) 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 651.79. 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

651.795

Liquidity indicators evolution
BIHEL - CHARTE ASSURANCES

Sector positioning

Liquidity ratio
651.79 2023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Excellent +8 pts over 3 years

In 2023, the liquidity ratio of BIHEL - CHARTE ASSURANCES (651.79) 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.

Interest coverage
2.19x 2022
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of BIHEL - CHARTE ASSURANCES (2.2x) 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
BIHEL - CHARTE ASSURANCES

Positioning of BIHEL - CHARTE 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 BIHEL - CHARTE ASSURANCES is estimated at 393 790 € (range 186 270€ - 1 798 008€). 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
186k€ 393k€ 1798k€
393 790 € Range: 186 270€ - 1 798 008€
NAF 5 all-time

Valuation method used

Net Income Multiple
195 656 € × 2.0x = 393 791 €
Range: 186 271€ - 1 798 009€

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 BIHEL - CHARTE 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 BIHEL - CHARTE ASSURANCES

What is the revenue of BIHEL - CHARTE ASSURANCES ?

The revenue of BIHEL - CHARTE ASSURANCES in 2022 is 828 k€.

Is BIHEL - CHARTE ASSURANCES profitable?

Yes, BIHEL - CHARTE ASSURANCES generated a net profit of 196 k€ in 2023.

Where is the headquarters of BIHEL - CHARTE ASSURANCES ?

The headquarters of BIHEL - CHARTE ASSURANCES is located in BLOIS (41000), in the department Loir-et-Cher.

Where to find the tax return of BIHEL - CHARTE ASSURANCES ?

The tax return of BIHEL - CHARTE 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 BIHEL - CHARTE ASSURANCES operate?

BIHEL - CHARTE 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.