DOLE ASSURANCES CONSEILS : revenue, balance sheet and financial ratios

DOLE ASSURANCES CONSEILS is a French company founded 9 years ago, specialized in the sector Supports juridiques de gestion de patrimoine immobilier. Based in MARSEILLE (13011), this company of category PME shows in 2022 a revenue of 212 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - DOLE ASSURANCES CONSEILS (SIREN 828956508)
Indicator 2022 2017
Revenue 211 514 € 87 803 €
Net income 8 454 € 29 044 €
EBITDA 12 520 € 38 268 €
Net margin 4.0% 33.1%

Revenue and income statement

In 2022, DOLE ASSURANCES CONSEILS achieves revenue of 212 k€. Vs 2017, growth of +141% (88 k€ -> 212 k€). After deducting consumption (0 €), gross margin stands at 212 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 13 k€, representing 5.9% of revenue. Warning negative scissor effect: despite revenue change (+141%), EBITDA varies by -67%, reducing margin by 37.7 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 8 k€, i.e. 4.0% 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

211 514 €

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

211 514 €

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

12 520 €

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

11 161 €

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

8 454 €

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

5.9%

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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 49%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 3.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

49.333%

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

50.635%

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

4.639%

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

3.801

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

46.2%

Solvency indicators evolution
DOLE ASSURANCES CONSEILS

Sector positioning

Debt ratio
49.33 2022
2017
2022
Q1: 0.0
Med: 14.16
Q3: 160.83
Average -5 pts over 2 years

In 2022, the debt ratio of DOLE ASSURANCES CONSEILS (49.33) 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
50.63% 2022
2017
2022
Q1: 1.29%
Med: 40.2%
Q3: 79.76%
Good +7 pts over 2 years

In 2022, the financial autonomy of DOLE ASSURANCES CONSEILS (50.6%) 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
3.8 years 2022
2017
2022
Q1: -0.48 years
Med: 0.03 years
Q3: 5.54 years
Average +15 pts over 2 years

In 2022, the repayment capacity of DOLE ASSURANCES CONSEILS (3.80) 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 399.24. 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 2.9x. Financial charges are adequately covered by operations.

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

399.239

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

2.875

Liquidity indicators evolution
DOLE ASSURANCES CONSEILS

Sector positioning

Liquidity ratio
399.24 2022
2017
2022
Q1: 98.11
Med: 346.97
Q3: 1657.16
Good -8 pts over 2 years

In 2022, the liquidity ratio of DOLE ASSURANCES CONSEILS (399.24) 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
2.88x 2022
2017
2022
Q1: -16.07x
Med: 0.0x
Q3: 6.03x
Good +12 pts over 2 years

In 2022, the interest coverage of DOLE ASSURANCES CONSEILS (2.9x) 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: 25 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 55 days. Favorable situation: supplier credit is longer than customer credit by 30 days. WCR is negative (-10 days): operations structurally generate cash.

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

-5 821 €

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

25 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

55 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

-10 j

WCR and payment terms evolution
DOLE ASSURANCES CONSEILS

Positioning of DOLE ASSURANCES CONSEILS in its sector

Comparison with sector Supports juridiques de gestion de patrimoine immobilier

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (23 transactions). This range of 15 998€ to 69 639€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2022
Indicative
15k€ 31k€ 69k€
31 369 € Range: 15 998€ - 69 639€
NAF 5 année 2022

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 23 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 (Supports juridiques de gestion de patrimoine immobilier)

Compare DOLE ASSURANCES CONSEILS with other companies in the same sector:

Voir toutes les statistiques du secteur Supports juridiques de gestion de patrimoine immobilier

Frequently asked questions about DOLE ASSURANCES CONSEILS

What is the revenue of DOLE ASSURANCES CONSEILS ?

The revenue of DOLE ASSURANCES CONSEILS in 2022 is 212 k€.

Is DOLE ASSURANCES CONSEILS profitable?

Yes, DOLE ASSURANCES CONSEILS generated a net profit of 8 k€ in 2022.

Where is the headquarters of DOLE ASSURANCES CONSEILS ?

The headquarters of DOLE ASSURANCES CONSEILS is located in MARSEILLE (13011), in the department Bouches-du-Rhone.

Where to find the tax return of DOLE ASSURANCES CONSEILS ?

The tax return of DOLE ASSURANCES CONSEILS 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 DOLE ASSURANCES CONSEILS operate?

DOLE ASSURANCES CONSEILS operates in the sector Supports juridiques de gestion de patrimoine immobilier (NAF code 68.32B). See the 'Sector positioning' section above to compare the company with its competitors.