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CONSEIL - ASSUR - CREDIT : revenue, balance sheet and financial ratios

CONSEIL - ASSUR - CREDIT is a French company founded 6 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in MONTELIMAR (26200), this company of category PME shows in 2022 a revenue of 70 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 - CONSEIL - ASSUR - CREDIT (SIREN 883297566)
Indicator 2023 2022
Revenue N/C 70 303 €
Net income 0 € -9 269 €
EBITDA N/C -5 013 €
Net margin N/C -13.2%

Revenue and income statement

In 2023, CONSEIL - ASSUR - CREDIT records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 508%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

507.852%

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

19.124%

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

49.8%

Solvency indicators evolution
CONSEIL - ASSUR - CREDIT

Sector positioning

Debt ratio
507.85 2023
2022
2023
Q1: 0.0
Med: 4.57
Q3: 46.63
Average +50 pts over 2 years

In 2023, the debt ratio of CONSEIL - ASSUR - CREDIT (507.85) 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
19.12% 2023
2022
2023
Q1: 4.34%
Med: 38.51%
Q3: 74.89%
Average -39 pts over 2 years

In 2023, the financial autonomy of CONSEIL - ASSUR - CREDIT (19.1%) 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
-2.19 years 2022
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.03 years
Excellent

In 2022, the repayment capacity of CONSEIL - ASSUR - CREDIT (-2.19) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 92.25. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

92.245

Liquidity indicators evolution
CONSEIL - ASSUR - CREDIT

Sector positioning

Liquidity ratio
92.25 2023
2022
2023
Q1: 139.84
Med: 306.31
Q3: 899.92
Average -14 pts over 2 years

In 2023, the liquidity ratio of CONSEIL - ASSUR - CREDIT (92.25) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-4.25x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.31x
Average

In 2022, the interest coverage of CONSEIL - ASSUR - CREDIT (-4.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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

0 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

0 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 and payment terms evolution
CONSEIL - ASSUR - CREDIT

Positioning of CONSEIL - ASSUR - CREDIT in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Similar companies (Conseil pour les affaires et autres conseils de gestion)

Compare CONSEIL - ASSUR - CREDIT with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about CONSEIL - ASSUR - CREDIT

What is the revenue of CONSEIL - ASSUR - CREDIT ?

The revenue of CONSEIL - ASSUR - CREDIT in 2022 is 70 k€.

Is CONSEIL - ASSUR - CREDIT profitable?

CONSEIL - ASSUR - CREDIT recorded a net loss in 2022.

Where is the headquarters of CONSEIL - ASSUR - CREDIT ?

The headquarters of CONSEIL - ASSUR - CREDIT is located in MONTELIMAR (26200), in the department Drome.

Where to find the tax return of CONSEIL - ASSUR - CREDIT ?

The tax return of CONSEIL - ASSUR - CREDIT 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 CONSEIL - ASSUR - CREDIT operate?

CONSEIL - ASSUR - CREDIT operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.