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

DARBIER & BERNARD ASSUREURS ASSOCIES : revenue, balance sheet and financial ratios

DARBIER & BERNARD ASSUREURS ASSOCIES is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AVIGNON (84000), this company of category PME shows in 2022 a revenue of 848 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 - DARBIER & BERNARD ASSUREURS ASSOCIES (SIREN 493796494)
Indicator 2022 2020 2019 2018 2017 2016
Revenue 847 747 € N/C N/C N/C N/C N/C
Net income 192 437 € 142 885 € 112 431 € 129 070 € 73 189 € 60 106 €
EBITDA 127 689 € N/C N/C N/C N/C N/C
Net margin 22.7% N/C N/C N/C N/C N/C

Revenue and income statement

In 2022, DARBIER & BERNARD ASSUREURS ASSOCIES achieves revenue of 848 k€. After deducting consumption (0 €), gross margin stands at 848 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 128 k€, representing 15.1% 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 192 k€, i.e. 22.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

847 747 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

847 747 €

EBITDA (2022) ?
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

127 689 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

129 406 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

192 437 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

15.1%

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 14%. 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 73%. 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 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 8.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

14.272%

Financial autonomy (2022) ?
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

73.412%

Cash flow / Revenue (2022) ?
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

8.483%

Repayment capacity (2022) ?
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

1.559

Asset age ratio (2022) ?
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

69.5%

Solvency indicators evolution
DARBIER & BERNARD ASSUREURS ASSOCIES

Sector positioning

Debt ratio
14.27 2022
2019
2020
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Average

In 2022, the debt ratio of DARBIER & BERNARD ASSUREU... (14.27) 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
73.41% 2022
2019
2020
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Good

In 2022, the financial autonomy of DARBIER & BERNARD ASSUREU... (73.4%) 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
1.56 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average

In 2022, the repayment capacity of DARBIER & BERNARD ASSUREU... (1.56) 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 376.80. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

376.796

Interest coverage (2022) ?
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

0.0

Liquidity indicators evolution
DARBIER & BERNARD ASSUREURS ASSOCIES

Sector positioning

Liquidity ratio
376.8 2022
2019
2020
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Good

In 2022, the liquidity ratio of DARBIER & BERNARD ASSUREU... (376.80) 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
0.0x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Average

In 2022, the interest coverage of DARBIER & BERNARD ASSUREU... (0.0x) 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. Average customer payment term: 40 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 88 days. Excellent situation: suppliers finance 48 days of the operating cycle (retail model). Overall, WCR represents 60 days of revenue, i.e. 141 k€ to permanently finance.

Operating WCR (2022) ?
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

141 345 €

Customer credit (2022) ?
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

40 j

Supplier credit (2022) ?
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

88 j

Inventory turnover (2022) ?
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 (2022) ?
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

60 j

WCR and payment terms evolution
DARBIER & BERNARD ASSUREURS ASSOCIES

Positioning of DARBIER & BERNARD ASSUREURS ASSOCIES 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 DARBIER & BERNARD ASSUREURS ASSOCIES is estimated at 404 611 € (range 126 281€ - 1 212 901€). With an EBITDA of 127 689€, 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 2022
193 transactions
126k€ 404k€ 1212k€
404 611 € Range: 126 281€ - 1 212 901€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
127 689 € × 1.2x
Estimation 154 587 €
39 928€ - 789 058€
Revenue Multiple 30%
847 747 € × 0.98x
Estimation 832 851 €
232 254€ - 1 548 958€
Net Income Multiple 20%
192 437 € × 2.0x
Estimation 387 312 €
183 206€ - 1 768 427€

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 DARBIER & BERNARD ASSUREURS ASSOCIES with other companies in the same sector:

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

Frequently asked questions about DARBIER & BERNARD ASSUREURS ASSOCIES

What is the revenue of DARBIER & BERNARD ASSUREURS ASSOCIES ?

The revenue of DARBIER & BERNARD ASSUREURS ASSOCIES in 2022 is 848 k€.

Is DARBIER & BERNARD ASSUREURS ASSOCIES profitable?

Yes, DARBIER & BERNARD ASSUREURS ASSOCIES generated a net profit of 192 k€ in 2022.

Where is the headquarters of DARBIER & BERNARD ASSUREURS ASSOCIES ?

The headquarters of DARBIER & BERNARD ASSUREURS ASSOCIES is located in AVIGNON (84000), in the department Vaucluse.

Where to find the tax return of DARBIER & BERNARD ASSUREURS ASSOCIES ?

The tax return of DARBIER & BERNARD ASSUREURS ASSOCIES 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 DARBIER & BERNARD ASSUREURS ASSOCIES operate?

DARBIER & BERNARD ASSUREURS ASSOCIES 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.