CABINET CONSEIL TORANDELL : revenue, balance sheet and financial ratios

CABINET CONSEIL TORANDELL is a French company founded 30 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LONS LE SAUNIER (39000), this company of category PME shows in 2024 a revenue of 737 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 CONSEIL TORANDELL (SIREN 402720742)
Indicator 2024 2023 2021 2020 2019
Revenue 737 041 € 669 444 € 649 563 € 588 715 € 525 407 €
Net income 59 069 € 122 177 € 81 553 € 80 058 € 83 555 €
EBITDA 116 497 € 106 213 € 111 338 € 116 860 € 105 982 €
Net margin 8.0% 18.3% 12.6% 13.6% 15.9%

Revenue and income statement

In 2024, CABINET CONSEIL TORANDELL achieves revenue of 737 k€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.0%. Vs 2023, growth of +10% (669 k€ -> 737 k€). After deducting consumption (0 €), gross margin stands at 737 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 15.8% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 59 k€, i.e. 8.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

737 041 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

737 041 €

EBITDA (2024) ?
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

116 497 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

154 649 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

59 069 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

15.8%

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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 160%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 11.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 5.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

160.032%

Financial autonomy (2024) ?
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

35.091%

Cash flow / Revenue (2024) ?
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

5.648%

Repayment capacity (2024) ?
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

11.343

Asset age ratio (2024) ?
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

55.4%

Solvency indicators evolution
CABINET CONSEIL TORANDELL

Sector positioning

Debt ratio
160.03 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Watch +25 pts over 3 years

In 2024, the debt ratio of CABINET CONSEIL TORANDELL (160.03) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
35.09% 2024
2021
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average -34 pts over 3 years

In 2024, the financial autonomy of CABINET CONSEIL TORANDELL (35.1%) 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
11.34 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Watch +19 pts over 3 years

In 2024, the repayment capacity of CABINET CONSEIL TORANDELL (11.34) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 312.80. 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 53.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

312.8

Interest coverage (2024) ?
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

53.043

Liquidity indicators evolution
CABINET CONSEIL TORANDELL

Sector positioning

Liquidity ratio
312.8 2024
2021
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good -20 pts over 3 years

In 2024, the liquidity ratio of CABINET CONSEIL TORANDELL (312.80) 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
53.04x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent +12 pts over 3 years

In 2024, the interest coverage of CABINET CONSEIL TORANDELL (53.0x) 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. Average customer payment term: 40 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 38 days. The company must finance 2 days of gap between collections and payments. Overall, WCR represents 128 days of revenue, i.e. 262 k€ to permanently finance.

Operating WCR (2024) ?
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

262 431 €

Customer credit (2024) ?
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

40 j

Supplier credit (2024) ?
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

38 j

Inventory turnover (2024) ?
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 (2024) ?
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

128 j

WCR and payment terms evolution
CABINET CONSEIL TORANDELL

Positioning of CABINET CONSEIL TORANDELL 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 CABINET CONSEIL TORANDELL is estimated at 311 522 € (range 90 038€ - 872 517€). With an EBITDA of 116 497€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (in line with sector norms). 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 2024
193 transactions
90k€ 311k€ 872k€
311 522 € Range: 90 038€ - 872 517€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
116 497 € × 1.2x
Estimation 141 038 €
36 429€ - 719 896€
Revenue Multiple 30%
737 041 € × 0.98x
Estimation 724 090 €
201 925€ - 1 346 682€
Net Income Multiple 20%
59 069 € × 2.0x
Estimation 118 886 €
56 236€ - 542 823€

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 CABINET CONSEIL TORANDELL 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 CONSEIL TORANDELL

What is the revenue of CABINET CONSEIL TORANDELL ?

The revenue of CABINET CONSEIL TORANDELL in 2024 is 737 k€.

Is CABINET CONSEIL TORANDELL profitable?

Yes, CABINET CONSEIL TORANDELL generated a net profit of 59 k€ in 2024.

Where is the headquarters of CABINET CONSEIL TORANDELL ?

The headquarters of CABINET CONSEIL TORANDELL is located in LONS LE SAUNIER (39000), in the department Jura.

Where to find the tax return of CABINET CONSEIL TORANDELL ?

The tax return of CABINET CONSEIL TORANDELL 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 CONSEIL TORANDELL operate?

CABINET CONSEIL TORANDELL 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.