Employees: 01 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1979-01-01 (47 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: PARIS (75002), Paris
BYC CONSULTANTS : revenue, balance sheet and financial ratios
BYC CONSULTANTS is a French company
founded 47 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in PARIS (75002),
this company of category PME
shows in 2021 a revenue of 1.6 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - BYC CONSULTANTS (SIREN 315384073)
Indicator
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
1 554 504 €
1 473 210 €
1 182 910 €
994 789 €
1 018 524 €
1 029 161 €
Net income
-611 635 €
65 655 €
162 745 €
16 951 €
13 111 €
10 804 €
6 792 €
EBITDA
N/C
92 241 €
231 087 €
34 942 €
28 031 €
24 907 €
20 436 €
Net margin
N/C
4.2%
11.0%
1.4%
1.3%
1.1%
0.7%
Revenue and income statement
In 2022, BYC CONSULTANTS records a net loss of 612 k€. This deficit will reduce equity on the balance sheet.
Net income (2022)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
-611 635 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at -4%. 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%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
Debt ratio (2022)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
-3.77%
Financial autonomy (2022)
?
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
-76.372%
Asset age ratio (2022)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
Debt ratio
0.089
0.114
0.241
0.456
4.084
9.639
-3.77
Financial autonomy
61.354
61.27
79.632
70.46
47.329
30.023
-76.372
Repayment capacity
0.016
0.018
0.02
0.055
0.074
0.284
None
Cash flow / Revenue
1.847%
2.237%
2.574%
2.665%
11.848%
4.817%
None%
Sector positioning
Debt ratio
-3.772022
2020
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Excellent-7 pts over 3 years
In 2022, the debt ratio of BYC CONSULTANTS (-3.77) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
Financial autonomy
-76.37%2022
2020
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Average-27 pts over 3 years
In 2022, the financial autonomy of BYC CONSULTANTS (-76.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Repayment capacity
0.28 years2021
2020
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.52 years
Average+9 pts over 2 years
In 2021, the repayment capacity of BYC CONSULTANTS (0.28) 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 22.68. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2022)
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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
22.68
Liquidity indicators evolution BYC CONSULTANTS
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
Liquidity ratio
132.242
137.994
407.935
90.963
101.713
85.536
22.68
Interest coverage
0.0
0.0
0.0
0.0
0.0
0.0
None
Sector positioning
Liquidity ratio
22.682022
2020
2021
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Watch-14 pts over 3 years
In 2022, the liquidity ratio of BYC CONSULTANTS (22.68) 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.
Interest coverage
0.0x2021
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Average
In 2021, the interest coverage of BYC CONSULTANTS (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
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 (2022)
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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 (2022)
?
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 (2022)
?
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 (2022)
?
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 BYC CONSULTANTS
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
Operating WCR
447 983 €
464 141 €
223 738 €
182 156 €
123 440 €
191 841 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
0
0
61
0
0
0
0
Supplier payment term (days)
63
67
26
40
70
105
0
Positioning of BYC CONSULTANTS in its sector
Comparison with sector Activités des agents et courtiers d'assurances
Similar companies (Activités des agents et courtiers d'assurances)
Compare BYC CONSULTANTS with other companies in the same sector:
The headquarters of BYC CONSULTANTS is located in PARIS (75002), in the department Paris.
Where to find the tax return of BYC CONSULTANTS ?
The tax return of BYC CONSULTANTS 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 BYC CONSULTANTS operate?
BYC CONSULTANTS 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.
Item evolution
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