FEBURIER.G ASSURANCES ARQUES : revenue, balance sheet and financial ratios

FEBURIER.G ASSURANCES ARQUES is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ARQUES (62510), this company of category PME shows in 2024 a revenue of 312 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 - FEBURIER.G ASSURANCES ARQUES (SIREN 833932510)
Indicator 2024 2023 2022 2021 2020
Revenue 311 512 € 283 763 € 257 997 € 256 267 € 237 030 €
Net income 86 641 € 74 098 € 56 814 € 72 290 € 58 976 €
EBITDA 120 245 € 95 937 € 68 913 € 93 631 € 76 545 €
Net margin 27.8% 26.1% 22.0% 28.2% 24.9%

Revenue and income statement

In 2024, FEBURIER.G ASSURANCES ARQUES achieves revenue of 312 k€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.1%. Vs 2023: +10%. After deducting consumption (0 €), gross margin stands at 312 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 120 k€, representing 38.6% of revenue. Positive scissor effect: EBITDA margin improves by +4.8 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 87 k€, i.e. 27.8% 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

311 512 €

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

311 512 €

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

120 245 €

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

119 537 €

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

86 641 €

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

38.6%

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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 25%. 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 54%. 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 28.0% 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

24.676%

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

54.142%

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

28.004%

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

0.627

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

85.4%

Solvency indicators evolution
FEBURIER.G ASSURANCES ARQUES

Sector positioning

Debt ratio
24.68 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Average -13 pts over 3 years

In 2024, the debt ratio of FEBURIER.G ASSURANCES ARQUES (24.68) 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
54.14% 2024
2022
2023
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Good +11 pts over 3 years

In 2024, the financial autonomy of FEBURIER.G ASSURANCES ARQUES (54.1%) 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.

Repayment capacity
0.63 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.72 years
Average -9 pts over 3 years

In 2024, the repayment capacity of FEBURIER.G ASSURANCES ARQUES (0.63) 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 92.06. 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 1.1x. 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

92.062

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

1.092

Liquidity indicators evolution
FEBURIER.G ASSURANCES ARQUES

Sector positioning

Liquidity ratio
92.06 2024
2022
2023
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Watch +5 pts over 3 years

In 2024, the liquidity ratio of FEBURIER.G ASSURANCES ARQUES (92.06) 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
1.09x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.22x
Good

In 2024, the interest coverage of FEBURIER.G ASSURANCES ARQUES (1.1x) 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: 21 days. Favorable situation: supplier credit is longer than customer credit by 21 days. WCR is negative (-77 days): operations structurally generate cash. Notable WCR improvement over the period (-56%), freeing up 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

-66 664 €

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

21 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

-77 j

WCR and payment terms evolution
FEBURIER.G ASSURANCES ARQUES

Positioning of FEBURIER.G ASSURANCES ARQUES 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 FEBURIER.G ASSURANCES ARQUES is estimated at 199 474 € (range 60 900€ - 701 521€). With an EBITDA of 120 245€, 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
60k€ 199k€ 701k€
199 474 € Range: 60 900€ - 701 521€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
120 245 € × 1.2x
Estimation 145 575 €
37 601€ - 743 057€
Revenue Multiple 30%
311 512 € × 0.98x
Estimation 306 038 €
85 344€ - 569 178€
Net Income Multiple 20%
86 641 € × 2.0x
Estimation 174 380 €
82 485€ - 796 200€

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 FEBURIER.G ASSURANCES ARQUES with other companies in the same sector:

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

Frequently asked questions about FEBURIER.G ASSURANCES ARQUES

What is the revenue of FEBURIER.G ASSURANCES ARQUES ?

The revenue of FEBURIER.G ASSURANCES ARQUES in 2024 is 312 k€.

Is FEBURIER.G ASSURANCES ARQUES profitable?

Yes, FEBURIER.G ASSURANCES ARQUES generated a net profit of 87 k€ in 2024.

Where is the headquarters of FEBURIER.G ASSURANCES ARQUES ?

The headquarters of FEBURIER.G ASSURANCES ARQUES is located in ARQUES (62510), in the department Pas-de-Calais.

Where to find the tax return of FEBURIER.G ASSURANCES ARQUES ?

The tax return of FEBURIER.G ASSURANCES ARQUES 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 FEBURIER.G ASSURANCES ARQUES operate?

FEBURIER.G ASSURANCES ARQUES 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.