CONSEIL ASSURANCE SERVICE SARL : revenue, balance sheet and financial ratios

CONSEIL ASSURANCE SERVICE SARL is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in EPINAL (88000), this company of category PME shows in 2025 a revenue of 1.2 M€. 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 - CONSEIL ASSURANCE SERVICE SARL (SIREN 350880621)
Indicator 2025 2024 2023 2022 2021 2020
Revenue 1 202 100 € N/C 1 003 305 € N/C N/C 789 639 €
Net income 379 480 € 359 758 € 357 135 € 357 272 € 343 270 € 255 676 €
EBITDA 507 233 € N/C 480 448 € N/C N/C 358 635 €
Net margin 31.6% N/C 35.6% N/C N/C 32.4%

Revenue and income statement

In 2025, CONSEIL ASSURANCE SERVICE SARL achieves revenue of 1.2 M€. Over the period 2020-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +8.8%. After deducting consumption (0 €), gross margin stands at 1.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 507 k€, representing 42.2% 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 379 k€, i.e. 31.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 202 100 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 202 100 €

EBITDA (2025) ?
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

507 233 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

505 274 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

379 480 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

42.2%

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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 12%. 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 79%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 31.7% 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 (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

12.032%

Financial autonomy (2025) ?
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

78.853%

Cash flow / Revenue (2025) ?
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

31.712%

Repayment capacity (2025) ?
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

0.495

Asset age ratio (2025) ?
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

54.8%

Solvency indicators evolution
CONSEIL ASSURANCE SERVICE SARL

Sector positioning

Debt ratio
12.03 2025
2023
2024
2025
Q1: 0.0
Med: 5.25
Q3: 44.01
Average

In 2025, the debt ratio of CONSEIL ASSURANCE SERVICE... (12.03) 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
78.85% 2025
2023
2024
2025
Q1: 14.47%
Med: 50.82%
Q3: 78.71%
Excellent

In 2025, the financial autonomy of CONSEIL ASSURANCE SERVICE... (78.8%) 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
0.49 years 2025
2023
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Average

In 2025, the repayment capacity of CONSEIL ASSURANCE SERVICE... (0.49) 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 689.18. 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 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2025) ?
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

689.181

Interest coverage (2025) ?
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

1.871

Liquidity indicators evolution
CONSEIL ASSURANCE SERVICE SARL

Sector positioning

Liquidity ratio
689.18 2025
2023
2024
2025
Q1: 157.68
Med: 329.7
Q3: 847.44
Good -8 pts over 3 years

In 2025, the liquidity ratio of CONSEIL ASSURANCE SERVICE... (689.18) 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
1.87x 2025
2023
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Good +7 pts over 2 years

In 2025, the interest coverage of CONSEIL ASSURANCE SERVICE... (1.9x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 91 days. Excellent situation: suppliers finance 91 days of the operating cycle (retail model). Overall, WCR represents 59 days of revenue, i.e. 198 k€ to permanently finance. Over 2020-2025, WCR increased by +407%, requiring additional financing.

Operating WCR (2025) ?
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

197 625 €

Customer credit (2025) ?
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 (2025) ?
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

91 j

Inventory turnover (2025) ?
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 (2025) ?
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

59 j

WCR and payment terms evolution
CONSEIL ASSURANCE SERVICE SARL

Positioning of CONSEIL ASSURANCE SERVICE SARL 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 CONSEIL ASSURANCE SERVICE SARL is estimated at 814 088 € (range 250 361€ - 2 923 610€). With an EBITDA of 507 233€, 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 2025
193 transactions
250k€ 814k€ 2923k€
814 088 € Range: 250 361€ - 2 923 610€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
507 233 € × 1.2x
Estimation 614 084 €
158 612€ - 3 134 460€
Revenue Multiple 30%
1 202 100 € × 0.98x
Estimation 1 180 977 €
329 335€ - 2 196 412€
Net Income Multiple 20%
379 480 € × 2.0x
Estimation 763 768 €
361 277€ - 3 487 285€

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 CONSEIL ASSURANCE SERVICE SARL with other companies in the same sector:

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

Frequently asked questions about CONSEIL ASSURANCE SERVICE SARL

What is the revenue of CONSEIL ASSURANCE SERVICE SARL ?

The revenue of CONSEIL ASSURANCE SERVICE SARL in 2025 is 1.2 M€.

Is CONSEIL ASSURANCE SERVICE SARL profitable?

Yes, CONSEIL ASSURANCE SERVICE SARL generated a net profit of 379 k€ in 2025.

Where is the headquarters of CONSEIL ASSURANCE SERVICE SARL ?

The headquarters of CONSEIL ASSURANCE SERVICE SARL is located in EPINAL (88000), in the department Vosges.

Where to find the tax return of CONSEIL ASSURANCE SERVICE SARL ?

The tax return of CONSEIL ASSURANCE SERVICE SARL 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 ASSURANCE SERVICE SARL operate?

CONSEIL ASSURANCE SERVICE SARL 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.