SIREN : 399642784
EC CONSEILS is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PAU (64000), this company of category PME shows in 2024 a revenue of 820 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 819 725 € | 902 987 € | 959 372 € | 856 164 € | 658 491 € | 792 959 € | 673 814 € | 620 789 € | 643 264 € |
| Net income | 308 852 € | 318 609 € | 385 287 € | 361 481 € | 230 504 € | 103 711 € | 288 445 € | 265 262 € | 247 840 € |
| EBITDA | 509 925 € | 562 864 € | 595 860 € | 504 297 € | 410 404 € | 521 023 € | 422 508 € | 384 273 € | 413 611 € |
| Net margin | 37.7% | 35.3% | 40.2% | 42.2% | 35.0% | 13.1% | 42.8% | 42.7% | 38.5% |
In 2024, EC CONSEILS achieves revenue of 820 k€. Revenue is growing positively over 9 years (CAGR: +3.1%). Slight decline of -9% vs 2023. After deducting consumption (0 €), gross margin stands at 820 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 510 k€, representing 62.2% 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 309 k€, i.e. 37.7% of revenue. This profit can be retained or distributed to shareholders.
819 725 €
819 725 €
509 925 €
396 473 €
308 852 €
62.2%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 91%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 46.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
91.275%
46.733%
0.0
50.4%
In 2024, the debt ratio of EC CONSEILS (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of EC CONSEILS (91.3%) 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.
In 2024, the repayment capacity of EC CONSEILS (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 896.50. 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 14.9x. Operating income very largely covers interest expenses: high safety margin.
896.501
14.941
In 2024, the liquidity ratio of EC CONSEILS (896.50) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of EC CONSEILS (14.9x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-56 days): operations structurally generate cash. Notable WCR improvement over the period (-3399%), freeing up cash.
-127 336 €
0 j
0 j
0 j
-56 j
Based on 193 transactions of similar company sales (all years), the value of EC CONSEILS is estimated at 674 590 € (range 205 907€ - 2 592 522€). With an EBITDA of 509 925€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare EC CONSEILS with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of EC CONSEILS in 2024 is 820 k€.
Yes, EC CONSEILS generated a net profit of 309 k€ in 2024.
The headquarters of EC CONSEILS is located in PAU (64000), in the department Pyrenees-Atlantiques.
The tax return of EC 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).
EC CONSEILS 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.