Employees: NN (None)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2013-11-28 (12 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: BERD'HUIS (61340), Orne
EURL ANOUCK CHEMIN : revenue, balance sheet and financial ratios
EURL ANOUCK CHEMIN is a French company
founded 12 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in BERD'HUIS (61340),
this company of category PME
shows in 2025 a revenue of 98 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - EURL ANOUCK CHEMIN (SIREN 798988796)
Indicator
2025
2024
2023
2022
2021
2020
2019
2018
2017
Revenue
98 331 €
92 224 €
92 825 €
83 029 €
89 019 €
75 258 €
82 349 €
71 345 €
57 850 €
Net income
19 586 €
13 066 €
8 116 €
8 805 €
4 126 €
4 919 €
8 872 €
-4 312 €
3 999 €
EBITDA
23 193 €
15 152 €
9 519 €
10 067 €
5 030 €
4 965 €
9 808 €
-3 931 €
4 226 €
Net margin
19.9%
14.2%
8.7%
10.6%
4.6%
6.5%
10.8%
-6.0%
6.9%
Revenue and income statement
In 2025, EURL ANOUCK CHEMIN achieves revenue of 98 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +6.9%. Vs 2024: +7%. After deducting consumption (0 €), gross margin stands at 98 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 23 k€, representing 23.6% of revenue. Positive scissor effect: EBITDA margin improves by +7.2 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 20 k€, i.e. 19.9% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2025)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
98 331 €
Gross margin (2025)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
98 331 €
EBITDA (2025)
?
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
23 193 €
EBIT (2025)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
22 934 €
Net income (2025)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
19 586 €
EBITDA margin (2025)
?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
23.6%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 86%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 20.2% 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 (2025)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
0.599%
Financial autonomy (2025)
?
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
85.701%
Cash flow / Revenue (2025)
?
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
20.182%
Repayment capacity (2025)
?
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
0.007
Asset age ratio (2025)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
2025
Debt ratio
10.109
22.721
5.179
1.353
1.345
2.074
11.25
0.891
0.599
Financial autonomy
85.922
76.315
89.346
76.177
40.932
37.101
51.801
85.867
85.701
Repayment capacity
0.406
-0.438
0.092
0.049
0.055
0.027
0.146
0.011
0.007
Cash flow / Revenue
6.911%
-5.621%
11.399%
6.318%
4.874%
10.605%
8.743%
14.168%
20.182%
Sector positioning
Debt ratio
0.62025
2023
2024
2025
Q1: 0.0
Med: 5.27
Q3: 45.01
Good-24 pts over 3 years
In 2025, the debt ratio of EURL ANOUCK CHEMIN (0.60) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
85.7%2025
2023
2024
2025
Q1: 14.56%
Med: 50.89%
Q3: 78.66%
Excellent+28 pts over 3 years
In 2025, the financial autonomy of EURL ANOUCK CHEMIN (85.7%) 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
0.01 years2025
2023
2024
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Good-19 pts over 3 years
In 2025, the repayment capacity of EURL ANOUCK CHEMIN (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 678.77. 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.
Liquidity ratio (2025)
?
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
678.772
Interest coverage (2025)
?
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
0.763
Liquidity indicators evolution EURL ANOUCK CHEMIN
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
2025
Liquidity ratio
1854.419
1382.426
1594.196
434.675
167.09
160.954
235.981
748.025
678.772
Interest coverage
0.828
-2.417
1.05
2.075
1.909
1.331
1.828
1.155
0.763
Sector positioning
Liquidity ratio
678.772025
2023
2024
2025
Q1: 157.83
Med: 327.31
Q3: 847.28
Good+19 pts over 3 years
In 2025, the liquidity ratio of EURL ANOUCK CHEMIN (678.77) 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
0.76x2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Good-15 pts over 3 years
In 2025, the interest coverage of EURL ANOUCK CHEMIN (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) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. The company must finance 15 days of gap between collections and payments. Overall, WCR represents 14 days of revenue, i.e. 4 k€ to permanently finance.
Operating WCR (2025)
?
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 (2025)
?
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
20 j
Supplier credit (2025)
?
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
5 j
Inventory turnover (2025)
?
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 (2025)
?
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
14 j
WCR and payment terms evolution EURL ANOUCK CHEMIN
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
2025
Operating WCR
3 845 €
5 777 €
4 761 €
288 €
-17 744 €
-12 663 €
-366 €
9 169 €
3 731 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
21
23
19
22
21
23
26
20
20
Supplier payment term (days)
9
7
12
2
5
2
3
5
5
Positioning of EURL ANOUCK CHEMIN 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 EURL ANOUCK CHEMIN is estimated at
50 904 €
(range 15 437€ - 161 558€).
With an EBITDA of 23 193€, 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 value2025
193 transactions
15k€50k€161k€
50 904 €Range: 15 437€ - 161 558€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
23 193 €×1.2x
Estimation28 079 €
7 252€ - 143 322€
Revenue Multiple30%
98 331 €×0.98x
Estimation96 603 €
26 939€ - 179 665€
Net Income Multiple20%
19 586 €×2.0x
Estimation39 420 €
18 646€ - 179 988€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 EURL ANOUCK CHEMIN with other companies in the same sector:
Frequently asked questions about EURL ANOUCK CHEMIN
What is the revenue of EURL ANOUCK CHEMIN ?
The revenue of EURL ANOUCK CHEMIN in 2025 is 98 k€.
Is EURL ANOUCK CHEMIN profitable?
Yes, EURL ANOUCK CHEMIN generated a net profit of 20 k€ in 2025.
Where is the headquarters of EURL ANOUCK CHEMIN ?
The headquarters of EURL ANOUCK CHEMIN is located in BERD'HUIS (61340), in the department Orne.
Where to find the tax return of EURL ANOUCK CHEMIN ?
The tax return of EURL ANOUCK CHEMIN 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 EURL ANOUCK CHEMIN operate?
EURL ANOUCK CHEMIN 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.
Item evolution
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