CABINET BERTRAND RIBOLLET : revenue, balance sheet and financial ratios

CABINET BERTRAND RIBOLLET is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75011), this company of category PME shows in 2019 a revenue of 282 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 - CABINET BERTRAND RIBOLLET (SIREN 492186887)
Indicator 2019 2018 2017 2016
Revenue 281 828 € 405 112 € 474 743 € 324 272 €
Net income 69 769 € -1 992 € 4 932 € 20 939 €
EBITDA 115 917 € 35 479 € 57 308 € 30 965 €
Net margin 24.8% -0.5% 1.0% 6.5%

Revenue and income statement

In 2019, CABINET BERTRAND RIBOLLET achieves revenue of 282 k€. Activity remains stable over the period (CAGR: -4.6%). Significant drop of -30% vs 2018. After deducting consumption (0 €), gross margin stands at 282 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 116 k€, representing 41.1% of revenue. Positive scissor effect: EBITDA margin improves by +32.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 70 k€, i.e. 24.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

281 828 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

281 828 €

EBITDA (2019) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

115 917 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

83 865 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

69 769 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

41.1%

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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 77%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 33%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 28.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

77.063%

Financial autonomy (2019) ?
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

32.996%

Cash flow / Revenue (2019) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

28.239%

Repayment capacity (2019) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

1.463

Asset age ratio (2019) ?
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

68.5%

Solvency indicators evolution
CABINET BERTRAND RIBOLLET

Sector positioning

Debt ratio
77.06 2019
2017
2018
2019
Q1: 0.02
Med: 10.33
Q3: 63.27
Average +26 pts over 3 years

In 2019, the debt ratio of CABINET BERTRAND RIBOLLET (77.06) 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
33.0% 2019
2017
2018
2019
Q1: 15.63%
Med: 46.49%
Q3: 74.02%
Average -24 pts over 3 years

In 2019, the financial autonomy of CABINET BERTRAND RIBOLLET (33.0%) 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
1.46 years 2019
2017
2018
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Average +9 pts over 3 years

In 2019, the repayment capacity of CABINET BERTRAND RIBOLLET (1.46) 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 274.71. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2019) ?
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

274.714

Interest coverage (2019) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.301

Liquidity indicators evolution
CABINET BERTRAND RIBOLLET

Sector positioning

Liquidity ratio
274.71 2019
2017
2018
2019
Q1: 110.27
Med: 205.98
Q3: 471.66
Good -18 pts over 3 years

In 2019, the liquidity ratio of CABINET BERTRAND RIBOLLET (274.71) 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
0.3x 2019
2017
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Good -5 pts over 3 years

In 2019, the interest coverage of CABINET BERTRAND RIBOLLET (0.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 155 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 160 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Overall, WCR represents 45 days of revenue, i.e. 35 k€ to permanently finance. Notable WCR improvement over the period (-60%), freeing up cash.

Operating WCR (2019) ?
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

35 254 €

Customer credit (2019) ?
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

155 j

Supplier credit (2019) ?
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

160 j

Inventory turnover (2019) ?
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 in days of revenue (2019) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

45 j

WCR and payment terms evolution
CABINET BERTRAND RIBOLLET

Positioning of CABINET BERTRAND RIBOLLET in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 75 273€ to 460 393€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
75k€ 248k€ 460k€
248 544 € Range: 75 273€ - 460 393€
NAF 5 année 2019

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 38 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 CABINET BERTRAND RIBOLLET with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about CABINET BERTRAND RIBOLLET

What is the revenue of CABINET BERTRAND RIBOLLET ?

The revenue of CABINET BERTRAND RIBOLLET in 2019 is 282 k€.

Is CABINET BERTRAND RIBOLLET profitable?

Yes, CABINET BERTRAND RIBOLLET generated a net profit of 70 k€ in 2019.

Where is the headquarters of CABINET BERTRAND RIBOLLET ?

The headquarters of CABINET BERTRAND RIBOLLET is located in PARIS (75011), in the department Paris.

Where to find the tax return of CABINET BERTRAND RIBOLLET ?

The tax return of CABINET BERTRAND RIBOLLET 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 CABINET BERTRAND RIBOLLET operate?

CABINET BERTRAND RIBOLLET 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.