FR CONSEILS ET PLACEMENTS : revenue, balance sheet and financial ratios

FR CONSEILS ET PLACEMENTS is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANGOULEME (16000), this company of category PME shows in 2022 a revenue of 361 k€. 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

Financial history - FR CONSEILS ET PLACEMENTS (SIREN 481714384)
Indicator 2022 2020 2019 2018 2017
Revenue 361 446 € 207 471 € 1 390 634 € 1 513 461 € 1 126 894 €
Net income 131 378 € 373 883 € 261 894 € 288 684 € 255 245 €
EBITDA -9 241 € -224 471 € 313 249 € 400 695 € 358 796 €
Net margin 36.3% 180.2% 18.8% 19.1% 22.7%

Revenue and income statement

In 2022, FR CONSEILS ET PLACEMENTS achieves revenue of 361 k€. Revenue is declining over the period 2017-2022 (CAGR: -20.3%). Vs 2020, growth of +74% (207 k€ -> 361 k€). After deducting consumption (0 €), gross margin stands at 361 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 -9 k€, representing -2.6% of revenue. Positive scissor effect: EBITDA margin improves by +105.6 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 131 k€, i.e. 36.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

361 446 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

361 446 €

EBITDA (2022) ?
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

-9 241 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-8 564 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

131 378 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-2.6%

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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 3%. 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 96%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 36.2% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

2.654%

Financial autonomy (2022) ?
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

96.008%

Cash flow / Revenue (2022) ?
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

36.159%

Repayment capacity (2022) ?
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

0.3

Solvency indicators evolution
FR CONSEILS ET PLACEMENTS

Sector positioning

Debt ratio
2.65 2022
2019
2020
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Good

In 2022, the debt ratio of FR CONSEILS ET PLACEMENTS (2.65) 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
96.01% 2022
2019
2020
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Excellent

In 2022, the financial autonomy of FR CONSEILS ET PLACEMENTS (96.0%) 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
0.3 years 2022
2019
2020
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average +25 pts over 3 years

In 2022, the repayment capacity of FR CONSEILS ET PLACEMENTS (0.30) 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 787.28. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

787.281

Interest coverage (2022) ?
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

-6.807

Liquidity indicators evolution
FR CONSEILS ET PLACEMENTS

Sector positioning

Liquidity ratio
787.28 2022
2019
2020
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Excellent +11 pts over 3 years

In 2022, the liquidity ratio of FR CONSEILS ET PLACEMENTS (787.28) 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
-6.81x 2022
2019
2020
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Average

In 2022, the interest coverage of FR CONSEILS ET PLACEMENTS (-6.8x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 89 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. The gap of 64 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 96 days of revenue, i.e. 97 k€ to permanently finance. Over 2017-2022, WCR increased by +349%, requiring additional financing.

Operating WCR (2022) ?
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

96 712 €

Customer credit (2022) ?
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

89 j

Supplier credit (2022) ?
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

25 j

Inventory turnover (2022) ?
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 (2022) ?
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

96 j

WCR and payment terms evolution
FR CONSEILS ET PLACEMENTS

Positioning of FR CONSEILS ET PLACEMENTS 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 FR CONSEILS ET PLACEMENTS is estimated at 318 825 € (range 109 444€ - 879 175€). 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 2022
193 transactions
109k€ 318k€ 879k€
318 825 € Range: 109 444€ - 879 175€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
361 446 € × 0.98x
Estimation 355 095 €
99 024€ - 660 415€
Net Income Multiple 20%
131 378 € × 2.0x
Estimation 264 420 €
125 076€ - 1 207 317€

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 FR CONSEILS ET PLACEMENTS with other companies in the same sector:

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

Frequently asked questions about FR CONSEILS ET PLACEMENTS

What is the revenue of FR CONSEILS ET PLACEMENTS ?

The revenue of FR CONSEILS ET PLACEMENTS in 2022 is 361 k€.

Is FR CONSEILS ET PLACEMENTS profitable?

Yes, FR CONSEILS ET PLACEMENTS generated a net profit of 131 k€ in 2022.

Where is the headquarters of FR CONSEILS ET PLACEMENTS ?

The headquarters of FR CONSEILS ET PLACEMENTS is located in ANGOULEME (16000), in the department Charente.

Where to find the tax return of FR CONSEILS ET PLACEMENTS ?

The tax return of FR CONSEILS ET PLACEMENTS 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 FR CONSEILS ET PLACEMENTS operate?

FR CONSEILS ET PLACEMENTS 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.