SIREN : 348916065
ENVERGURE CONSEIL is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category ETI shows in 2024 a revenue of 9.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 9 053 583 € | 8 386 395 € | 7 991 256 € | 7 003 704 € | 5 922 220 € | 5 612 553 € | 5 401 449 € | 5 103 258 € |
| Net income | 1 499 126 € | 1 291 389 € | 1 863 898 € | 1 673 832 € | 1 249 335 € | 1 218 249 € | 2 357 232 € | 1 158 580 € |
| EBITDA | 2 076 268 € | 1 695 109 € | 2 295 017 € | 1 481 200 € | 1 359 465 € | 1 339 283 € | 1 295 327 € | 1 210 071 € |
| Net margin | 16.6% | 15.4% | 23.3% | 23.9% | 21.1% | 21.7% | 43.6% | 22.7% |
In 2024, ENVERGURE CONSEIL achieves revenue of 9.1 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.4%. Vs 2023: +8%. After deducting consumption (0 €), gross margin stands at 9.1 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 2.1 M€, representing 22.9% of revenue. Positive scissor effect: EBITDA margin improves by +2.7 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.5 M€, i.e. 16.6% of revenue. This profit can be retained or distributed to shareholders.
9 053 583 €
9 053 583 €
2 076 268 €
2 027 316 €
1 499 126 €
22.9%
The debt ratio (= Financial debt / Equity x 100) stands at 9%. 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 71%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
9.234%
70.575%
17.291%
0.638
35.2%
In 2024, the debt ratio of ENVERGURE CONSEIL (9.23) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of ENVERGURE CONSEIL (70.6%) 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.
In 2024, the repayment capacity of ENVERGURE CONSEIL (0.64) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 163.22. 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 0.8x. Danger: operating income does not cover interest charges, unsustainable situation.
163.216
0.846
In 2024, the liquidity ratio of ENVERGURE CONSEIL (163.22) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of ENVERGURE CONSEIL (0.8x) 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) 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: 77 days. Excellent situation: suppliers finance 77 days of the operating cycle (retail model). WCR is negative (-17 days): operations structurally generate cash. Notable WCR improvement over the period (-110%), freeing up cash.
-439 008 €
0 j
77 j
0 j
-17 j
Based on 193 transactions of similar company sales (all years), the value of ENVERGURE CONSEIL is estimated at 4 528 618 € (range 1 354 181€ - 14 133 128€). With an EBITDA of 2 076 268€, 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 ENVERGURE CONSEIL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ENVERGURE CONSEIL in 2024 is 9.1 M€.
Yes, ENVERGURE CONSEIL generated a net profit of 1.5 M€ in 2024.
The headquarters of ENVERGURE CONSEIL is located in PARIS (75017), in the department Paris.
The tax return of ENVERGURE CONSEIL 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).
ENVERGURE CONSEIL 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.