CABINET HUBERT IVALDI : revenue, balance sheet and financial ratios

CABINET HUBERT IVALDI is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VILLEURBANNE (69100), this company of category PME shows in 2024 a revenue of 75 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - CABINET HUBERT IVALDI (SIREN 500942644)
Indicator 2024 2023 2022 2021 2020 2019 2017 2016
Revenue 75 406 € 80 737 € 78 873 € 92 606 € 73 688 € 71 254 € 96 710 € 86 445 €
Net income 1 579 € 2 269 € 3 286 € 12 223 € -4 058 € -5 435 € 7 460 € -3 939 €
EBITDA 5 954 € 3 015 € 3 725 € 13 257 € -2 009 € -3 418 € 10 146 € -1 518 €
Net margin 2.1% 2.8% 4.2% 13.2% -5.5% -7.6% 7.7% -4.6%

Revenue and income statement

In 2024, CABINET HUBERT IVALDI achieves revenue of 75 k€. Activity remains stable over the period (CAGR: -1.7%). Slight decline of -7% vs 2023. After deducting consumption (0 €), gross margin stands at 75 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 6 k€, representing 7.9% of revenue. Positive scissor effect: EBITDA margin improves by +4.2 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2 k€, i.e. 2.1% 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

75 406 €

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

75 406 €

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

5 954 €

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

2 446 €

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

1 579 €

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

7.9%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 2.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

0.115%

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

0.053%

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

2.684%

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

0.032

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

22.8%

Solvency indicators evolution
CABINET HUBERT IVALDI

Sector positioning

Debt ratio
0.12 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Good -50 pts over 3 years

In 2024, the debt ratio of CABINET HUBERT IVALDI (0.12) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
0.05% 2024
2022
2023
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Average -23 pts over 3 years

In 2024, the financial autonomy of CABINET HUBERT IVALDI (0.1%) 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
0.03 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.72 years
Good -28 pts over 3 years

In 2024, the repayment capacity of CABINET HUBERT IVALDI (0.03) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 26.01. 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 8.4x. 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

26.007

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

8.398

Liquidity indicators evolution
CABINET HUBERT IVALDI

Sector positioning

Liquidity ratio
26.01 2024
2022
2023
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Watch +10 pts over 3 years

In 2024, the liquidity ratio of CABINET HUBERT IVALDI (26.01) 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
8.4x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.22x
Excellent

In 2024, the interest coverage of CABINET HUBERT IVALDI (8.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 16 days. Favorable situation: supplier credit is longer than customer credit by 16 days. WCR is negative (-280 days): operations structurally generate cash. Over 2016-2024, WCR increased by +35%, requiring additional financing.

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

-58 545 €

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

0 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

16 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

-280 j

WCR and payment terms evolution
CABINET HUBERT IVALDI

Positioning of CABINET HUBERT IVALDI 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 HUBERT IVALDI is estimated at 26 464 € (range 7 429€ - 62 631€). With an EBITDA of 5 954€, 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
7k€ 26k€ 62k€
26 464 € Range: 7 429€ - 62 631€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
5 954 € × 1.2x
Estimation 7 208 €
1 862€ - 36 793€
Revenue Multiple 30%
75 406 € × 0.98x
Estimation 74 081 €
20 659€ - 137 778€
Net Income Multiple 20%
1 579 € × 2.0x
Estimation 3 178 €
1 503€ - 14 510€

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 HUBERT IVALDI 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 HUBERT IVALDI

What is the revenue of CABINET HUBERT IVALDI ?

The revenue of CABINET HUBERT IVALDI in 2024 is 75 k€.

Is CABINET HUBERT IVALDI profitable?

Yes, CABINET HUBERT IVALDI generated a net profit of 2 k€ in 2024.

Where is the headquarters of CABINET HUBERT IVALDI ?

The headquarters of CABINET HUBERT IVALDI is located in VILLEURBANNE (69100), in the department Rhone.

Where to find the tax return of CABINET HUBERT IVALDI ?

The tax return of CABINET HUBERT IVALDI 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 HUBERT IVALDI operate?

CABINET HUBERT IVALDI 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.