CALAIS ASSURANCES & PLACEMENTS : revenue, balance sheet and financial ratios

CALAIS ASSURANCES & PLACEMENTS is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CALAIS (62100), this company of category PME shows in 2023 a revenue of 589 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 - CALAIS ASSURANCES & PLACEMENTS (SIREN 494943582)
Indicator 2023 2022 2021 2016
Revenue 589 260 € 634 877 € 630 045 € 693 346 €
Net income 56 547 € 64 178 € 55 875 € 26 260 €
EBITDA 89 970 € 112 893 € 110 559 € 109 783 €
Net margin 9.6% 10.1% 8.9% 3.8%

Revenue and income statement

In 2023, CALAIS ASSURANCES & PLACEMENTS achieves revenue of 589 k€. Activity remains stable over the period (CAGR: -2.3%). Slight decline of -7% vs 2022. After deducting consumption (0 €), gross margin stands at 589 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 90 k€, representing 15.3% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -20%, reducing margin by 2.5 pts. This reflects costs rising faster than 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 57 k€, i.e. 9.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

589 260 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

589 260 €

EBITDA (2023) ?
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

89 970 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

74 217 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

56 547 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

15.3%

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 11%. 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 84%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.2% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

11.387%

Financial autonomy (2023) ?
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

84.078%

Cash flow / Revenue (2023) ?
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

12.175%

Repayment capacity (2023) ?
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

1.841

Asset age ratio (2023) ?
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

34.8%

Solvency indicators evolution
CALAIS ASSURANCES & PLACEMENTS

Sector positioning

Debt ratio
11.39 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.2
Average

In 2023, the debt ratio of CALAIS ASSURANCES & PLACE... (11.39) 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
84.08% 2023
2021
2022
2023
Q1: 14.07%
Med: 47.29%
Q3: 74.24%
Excellent

In 2023, the financial autonomy of CALAIS ASSURANCES & PLACE... (84.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
1.84 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of CALAIS ASSURANCES & PLACE... (1.84) 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 532.36. 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 3.5x. Financial charges are adequately covered by operations.

Liquidity ratio (2023) ?
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

532.356

Interest coverage (2023) ?
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

3.549

Liquidity indicators evolution
CALAIS ASSURANCES & PLACEMENTS

Sector positioning

Liquidity ratio
532.36 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Good

In 2023, the liquidity ratio of CALAIS ASSURANCES & PLACE... (532.36) 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
3.55x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent

In 2023, the interest coverage of CALAIS ASSURANCES & PLACE... (3.5x) 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: 13 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. Favorable situation: supplier credit is longer than customer credit by 29 days. Overall, WCR represents 128 days of revenue, i.e. 210 k€ to permanently finance. Notable WCR improvement over the period (-21%), freeing up cash.

Operating WCR (2023) ?
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

210 307 €

Customer credit (2023) ?
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

13 j

Supplier credit (2023) ?
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

42 j

Inventory turnover (2023) ?
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 (2023) ?
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
CALAIS ASSURANCES & PLACEMENTS

Positioning of CALAIS ASSURANCES & PLACEMENTS 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 CALAIS ASSURANCES & PLACEMENTS is estimated at 250 895 € (range 73 264€ - 704 914€). With an EBITDA of 89 970€, 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 2023
193 transactions
73k€ 250k€ 704k€
250 895 € Range: 73 264€ - 704 914€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
89 970 € × 1.2x
Estimation 108 923 €
28 134€ - 555 972€
Revenue Multiple 30%
589 260 € × 0.98x
Estimation 578 906 €
161 438€ - 1 076 664€
Net Income Multiple 20%
56 547 € × 2.0x
Estimation 113 810 €
53 835€ - 519 647€

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 CALAIS ASSURANCES & PLACEMENTS with other companies in the same sector:

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

Frequently asked questions about CALAIS ASSURANCES & PLACEMENTS

What is the revenue of CALAIS ASSURANCES & PLACEMENTS ?

The revenue of CALAIS ASSURANCES & PLACEMENTS in 2023 is 589 k€.

Is CALAIS ASSURANCES & PLACEMENTS profitable?

Yes, CALAIS ASSURANCES & PLACEMENTS generated a net profit of 57 k€ in 2023.

Where is the headquarters of CALAIS ASSURANCES & PLACEMENTS ?

The headquarters of CALAIS ASSURANCES & PLACEMENTS is located in CALAIS (62100), in the department Pas-de-Calais.

Where to find the tax return of CALAIS ASSURANCES & PLACEMENTS ?

The tax return of CALAIS ASSURANCES & PLACEMENTS 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 CALAIS ASSURANCES & PLACEMENTS operate?

CALAIS ASSURANCES & PLACEMENTS 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.