CABINET MARTANE ASSURANCES : revenue, balance sheet and financial ratios

CABINET MARTANE ASSURANCES is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2019 a revenue of 82 k€. 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 - CABINET MARTANE ASSURANCES (SIREN 482197084)
Indicator 2019 2018 2017 2016 2015
Revenue 82 217 € 81 083 € 74 352 € 76 351 € 65 722 €
Net income -439 € 1 599 € -1 020 € 102 € 277 €
EBITDA 150 € 1 762 € -203 € 416 € 261 €
Net margin -0.5% 2.0% -1.4% 0.1% 0.4%

Revenue and income statement

In 2019, CABINET MARTANE ASSURANCES achieves revenue of 82 k€. Over the period 2015-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +5.8%. Vs 2018: +1%. After deducting consumption (0 €), gross margin stands at 82 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 150 €, representing 0.2% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -439 € (-0.5% of revenue), which will impact equity.

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

82 217 €

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

82 217 €

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

150 €

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

-288 €

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

-439 €

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

0.2%

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 191%. 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 65%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

190.851%

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

64.743%

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

0.0%

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

39.5%

Solvency indicators evolution
CABINET MARTANE ASSURANCES

Sector positioning

Debt ratio
190.85 2019
2017
2018
2019
Q1: 0.02
Med: 10.33
Q3: 63.27
Watch

In 2019, the debt ratio of CABINET MARTANE ASSURANCES (190.85) 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
64.74% 2019
2017
2018
2019
Q1: 15.63%
Med: 46.49%
Q3: 74.02%
Good -8 pts over 3 years

In 2019, the financial autonomy of CABINET MARTANE ASSURANCES (64.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
3.74 years 2018
2017
2018
Q1: 0.0 years
Med: 0.04 years
Q3: 2.04 years
Average +50 pts over 2 years

In 2018, the repayment capacity of CABINET MARTANE ASSURANCES (3.74) 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 3516.30. 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 100.7x. Operating income very largely covers interest expenses: high safety margin.

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

3516.304

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

100.667

Liquidity indicators evolution
CABINET MARTANE ASSURANCES

Sector positioning

Liquidity ratio
3516.3 2019
2017
2018
2019
Q1: 110.27
Med: 205.98
Q3: 471.66
Excellent

In 2019, the liquidity ratio of CABINET MARTANE ASSURANCES (3516.30) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
100.67x 2019
2017
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Excellent +50 pts over 3 years

In 2019, the interest coverage of CABINET MARTANE ASSURANCES (100.7x) 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: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1 days. The company must finance 18 days of gap between collections and payments. Overall, WCR represents 23 days of revenue, i.e. 5 k€ to permanently finance. Over 2015-2019, WCR increased by +7191%, requiring additional financing.

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

5 173 €

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

19 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

1 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

23 j

WCR and payment terms evolution
CABINET MARTANE ASSURANCES

Positioning of CABINET MARTANE ASSURANCES 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 15 307€ to 57 117€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
15k€ 37k€ 57k€
37 172 € Range: 15 307€ - 57 117€
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 MARTANE ASSURANCES 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 MARTANE ASSURANCES

What is the revenue of CABINET MARTANE ASSURANCES ?

The revenue of CABINET MARTANE ASSURANCES in 2019 is 82 k€.

Is CABINET MARTANE ASSURANCES profitable?

CABINET MARTANE ASSURANCES recorded a net loss in 2019.

Where is the headquarters of CABINET MARTANE ASSURANCES ?

The headquarters of CABINET MARTANE ASSURANCES is located in NICE (06000), in the department Alpes-Maritimes.

Where to find the tax return of CABINET MARTANE ASSURANCES ?

The tax return of CABINET MARTANE ASSURANCES 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 MARTANE ASSURANCES operate?

CABINET MARTANE ASSURANCES 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.