EFFICIENCE ASSURANCES : revenue, balance sheet and financial ratios

EFFICIENCE ASSURANCES is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BETHUNE (62400), this company of category PME shows in 2024 a revenue of 2.0 M€. 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 - EFFICIENCE ASSURANCES (SIREN 451424212)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 039 053 € 1 543 676 € 1 502 077 € 1 448 235 € 1 384 438 € 1 366 869 € 1 321 631 € 1 353 860 € 1 274 357 €
Net income 521 677 € 398 094 € 374 644 € 358 496 € 366 012 € 349 463 € 291 777 € 186 288 € 260 873 €
EBITDA 705 453 € 531 365 € 498 526 € 493 711 € 507 637 € 484 986 € 382 485 € 252 368 € 380 952 €
Net margin 25.6% 25.8% 24.9% 24.8% 26.4% 25.6% 22.1% 13.8% 20.5%

Revenue and income statement

In 2024, EFFICIENCE ASSURANCES achieves revenue of 2.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.1%. Vs 2023, growth of +32% (1.5 M€ -> 2.0 M€). After deducting consumption (0 €), gross margin stands at 2.0 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 705 k€, representing 34.6% 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 522 k€, i.e. 25.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 039 053 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 039 053 €

EBITDA (2024) ?
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

705 453 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

695 756 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

521 677 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

34.5%

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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 22%. 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 78%. 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 26.0% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

22.017%

Financial autonomy (2024) ?
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

77.962%

Cash flow / Revenue (2024) ?
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

25.978%

Repayment capacity (2024) ?
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

0.5

Asset age ratio (2024) ?
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

14.2%

Solvency indicators evolution
EFFICIENCE ASSURANCES

Sector positioning

Debt ratio
22.02 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +34 pts over 3 years

In 2024, the debt ratio of EFFICIENCE ASSURANCES (22.02) 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
77.96% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of EFFICIENCE ASSURANCES (78.0%) 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
0.5 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average +31 pts over 3 years

In 2024, the repayment capacity of EFFICIENCE ASSURANCES (0.50) 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 819.99. 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 1.6x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2024) ?
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

819.986

Interest coverage (2024) ?
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

1.584

Liquidity indicators evolution
EFFICIENCE ASSURANCES

Sector positioning

Liquidity ratio
819.99 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent

In 2024, the liquidity ratio of EFFICIENCE ASSURANCES (819.99) 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.

Interest coverage
1.58x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +43 pts over 3 years

In 2024, the interest coverage of EFFICIENCE ASSURANCES (1.6x) 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: 9 days. Favorable situation: supplier credit is longer than customer credit by 9 days. Overall, WCR represents 6 days of revenue, i.e. 34 k€ to permanently finance. Over 2016-2024, WCR increased by +147%, requiring additional financing.

Operating WCR (2024) ?
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

34 052 €

Customer credit (2024) ?
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 (2024) ?
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

9 j

Inventory turnover (2024) ?
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 (2024) ?
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

6 j

WCR and payment terms evolution
EFFICIENCE ASSURANCES

Positioning of EFFICIENCE ASSURANCES 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 EFFICIENCE ASSURANCES is estimated at 1 237 989 € (range 377 217€ - 4 256 182€). With an EBITDA of 705 453€, 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 2024
193 transactions
377k€ 1237k€ 4256k€
1 237 989 € Range: 377 217€ - 4 256 182€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
705 453 € × 1.2x
Estimation 854 059 €
220 595€ - 4 359 366€
Revenue Multiple 30%
2 039 053 € × 0.98x
Estimation 2 003 223 €
558 633€ - 3 725 648€
Net Income Multiple 20%
521 677 € × 2.0x
Estimation 1 049 963 €
496 653€ - 4 794 025€

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 EFFICIENCE 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 EFFICIENCE ASSURANCES

What is the revenue of EFFICIENCE ASSURANCES ?

The revenue of EFFICIENCE ASSURANCES in 2024 is 2.0 M€.

Is EFFICIENCE ASSURANCES profitable?

Yes, EFFICIENCE ASSURANCES generated a net profit of 522 k€ in 2024.

Where is the headquarters of EFFICIENCE ASSURANCES ?

The headquarters of EFFICIENCE ASSURANCES is located in BETHUNE (62400), in the department Pas-de-Calais.

Where to find the tax return of EFFICIENCE ASSURANCES ?

The tax return of EFFICIENCE 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 EFFICIENCE ASSURANCES operate?

EFFICIENCE 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.