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ERIC MASCARO CONSEIL ET PATRIMOINE : revenue, balance sheet and financial ratios

ERIC MASCARO CONSEIL ET PATRIMOINE is a French company founded 2 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOURG-EN-BRESSE (01000), this company of category PME shows in 2024 a revenue of 39 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - ERIC MASCARO CONSEIL ET PATRIMOINE (SIREN 981177918)
Indicator 2024
Revenue 38 742 €
Net income 12 772 €
EBITDA 14 231 €
Net margin 33.0%

Revenue and income statement

In 2024, ERIC MASCARO CONSEIL ET PATRIMOINE achieves revenue of 39 k€. After deducting consumption (0 €), gross margin stands at 39 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 14 k€, representing 36.7% 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 13 k€, i.e. 33.0% 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

38 742 €

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

38 742 €

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

14 231 €

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

15 430 €

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

12 772 €

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

36.7%

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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 284%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 29.9% 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

283.539%

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

22.776%

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

29.869%

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

3.374

Solvency indicators evolution
ERIC MASCARO CONSEIL ET PATRIMOINE

Sector positioning

Debt ratio
283.54 2024
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Watch

In 2024, the debt ratio of ERIC MASCARO CONSEIL ET P... (283.54) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
22.78% 2024
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of ERIC MASCARO CONSEIL ET P... (22.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
3.37 years 2024
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.72 years
Watch

In 2024, the repayment capacity of ERIC MASCARO CONSEIL ET P... (3.37) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 2.8x. Financial charges are adequately covered by operations.

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

0.0

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

2.839

Liquidity indicators evolution
ERIC MASCARO CONSEIL ET PATRIMOINE

Sector positioning

Liquidity ratio
0.0 2024
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Watch

In 2024, the liquidity ratio of ERIC MASCARO CONSEIL ET P... (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
2.84x 2024
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.22x
Excellent

In 2024, the interest coverage of ERIC MASCARO CONSEIL ET P... (2.8x) 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) 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: 53 days. Excellent situation: suppliers finance 53 days of the operating cycle (retail model). WCR is negative (-35 days): operations structurally generate cash.

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

-3 731 €

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

53 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

-35 j

WCR and payment terms evolution
ERIC MASCARO CONSEIL ET PATRIMOINE

Positioning of ERIC MASCARO CONSEIL ET PATRIMOINE 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 ERIC MASCARO CONSEIL ET PATRIMOINE is estimated at 25 173 € (range 7 841€ - 88 680€). With an EBITDA of 14 231€, 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
7k€ 25k€ 88k€
25 173 € Range: 7 841€ - 88 680€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
14 231 € × 1.2x
Estimation 17 229 €
4 450€ - 87 941€
Revenue Multiple 30%
38 742 € × 0.98x
Estimation 38 061 €
10 614€ - 70 787€
Net Income Multiple 20%
12 772 € × 2.0x
Estimation 25 706 €
12 159€ - 117 370€
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 ERIC MASCARO CONSEIL ET PATRIMOINE with other companies in the same sector:

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

Frequently asked questions about ERIC MASCARO CONSEIL ET PATRIMOINE

What is the revenue of ERIC MASCARO CONSEIL ET PATRIMOINE ?

The revenue of ERIC MASCARO CONSEIL ET PATRIMOINE in 2024 is 39 k€.

Is ERIC MASCARO CONSEIL ET PATRIMOINE profitable?

Yes, ERIC MASCARO CONSEIL ET PATRIMOINE generated a net profit of 13 k€ in 2024.

Where is the headquarters of ERIC MASCARO CONSEIL ET PATRIMOINE ?

The headquarters of ERIC MASCARO CONSEIL ET PATRIMOINE is located in BOURG-EN-BRESSE (01000), in the department Ain.

Where to find the tax return of ERIC MASCARO CONSEIL ET PATRIMOINE ?

The tax return of ERIC MASCARO CONSEIL ET PATRIMOINE 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 ERIC MASCARO CONSEIL ET PATRIMOINE operate?

ERIC MASCARO CONSEIL ET PATRIMOINE 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.