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.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

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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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 -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) ?
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
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

5.9%

Solvency indicators evolution
BYC CONSULTANTS

Sector positioning

Debt ratio
-3.77 2022
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 years 2021
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) ?
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

Sector positioning

Liquidity ratio
22.68 2022
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
0.0x 2021
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) ?
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

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:

Frequently asked questions about BYC CONSULTANTS

What is the revenue of BYC CONSULTANTS ?

The revenue of BYC CONSULTANTS in 2021 is 1.6 M€.

Is BYC CONSULTANTS profitable?

BYC CONSULTANTS recorded a net loss in 2022.

Where is the headquarters of BYC CONSULTANTS ?

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.