Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

CVS ASSURANCES : revenue, balance sheet and financial ratios

CVS ASSURANCES is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLERMONT-FERRAND (63000), this company of category PME shows in 2019 a net income positive of 82 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - CVS ASSURANCES (SIREN 384593760)
Indicator 2019 2018
Revenue N/C N/C
Net income 82 109 € 46 055 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2019, CVS ASSURANCES generates positive net income of 82 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2019: 46 k€ -> 82 k€.

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

82 109 €

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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 279%. 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 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

279.285%

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

17.274%

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

4.9%

Solvency indicators evolution
CVS ASSURANCES

Sector positioning

Debt ratio
279.29 2019
2018
2019
Q1: 0.02
Med: 10.37
Q3: 63.27
Watch

In 2019, the debt ratio of CVS ASSURANCES (279.29) 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
17.27% 2019
2018
2019
Q1: 15.58%
Med: 46.47%
Q3: 74.04%
Average

In 2019, the financial autonomy of CVS ASSURANCES (17.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 18.85. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

18.854

Liquidity indicators evolution
CVS ASSURANCES

Sector positioning

Liquidity ratio
18.85 2019
2018
2019
Q1: 110.23
Med: 205.98
Q3: 471.94
Watch

In 2019, the liquidity ratio of CVS ASSURANCES (18.85) 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.

Positioning of CVS 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 66 971€ to 407 059€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
66k€ 101k€ 407k€
101 059 € Range: 66 971€ - 407 059€
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 CVS 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 CVS ASSURANCES

What is the revenue of CVS ASSURANCES ?

The revenue of CVS ASSURANCES is not publicly disclosed (confidential accounts filed with INPI).

Is CVS ASSURANCES profitable?

Yes, CVS ASSURANCES generated a net profit of 82 k€ in 2019.

Where is the headquarters of CVS ASSURANCES ?

The headquarters of CVS ASSURANCES is located in CLERMONT-FERRAND (63000), in the department Puy-de-Dome.

Where to find the tax return of CVS ASSURANCES ?

The tax return of CVS 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 CVS ASSURANCES operate?

CVS 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.