Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

GB ASSURANCES CONSEIL : revenue, balance sheet and financial ratios

GB ASSURANCES CONSEIL is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NANTERRE (92000), this company of category PME shows in 2023 a net income negative of -51 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - GB ASSURANCES CONSEIL (SIREN 753121755)
Indicator 2023 2022 2021 2019 2018
Revenue N/C N/C N/C N/C N/C
Net income -50 657 € 91 242 € -16 753 € 33 761 € 119 232 €
EBITDA -7 096 € -4 176 € -13 559 € -11 707 € -21 633 €
Net margin N/C N/C N/C N/C N/C

Revenue and income statement

In 2023, GB ASSURANCES CONSEIL records a net loss of 51 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2023) ?
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

-7 096 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-7 098 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-50 657 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 681%. 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 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

681.14%

Financial autonomy (2023) ?
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

12.543%

Repayment capacity (2023) ?
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

3.674

Solvency indicators evolution
GB ASSURANCES CONSEIL

Sector positioning

Debt ratio
681.14 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average -6 pts over 3 years

In 2023, the debt ratio of GB ASSURANCES CONSEIL (681.14) 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
12.54% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average

In 2023, the financial autonomy of GB ASSURANCES CONSEIL (12.5%) 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
3.67 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Average +50 pts over 3 years

In 2023, the repayment capacity of GB ASSURANCES CONSEIL (3.67) 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 1159.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

1159.866

Interest coverage (2023) ?
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

-60.161

Liquidity indicators evolution
GB ASSURANCES CONSEIL

Sector positioning

Liquidity ratio
1159.87 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Excellent +27 pts over 3 years

In 2023, the liquidity ratio of GB ASSURANCES CONSEIL (1159.87) 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
-60.16x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Watch

In 2023, the interest coverage of GB ASSURANCES CONSEIL (-60.2x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 123 days. Excellent situation: suppliers finance 123 days of the operating cycle (retail model).

Operating WCR (2023) ?
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

0 €

Customer credit (2023) ?
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 (2023) ?
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

123 j

Inventory turnover (2023) ?
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 and payment terms evolution
GB ASSURANCES CONSEIL

Positioning of GB ASSURANCES CONSEIL in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare GB ASSURANCES CONSEIL with other companies in the same sector:

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

Frequently asked questions about GB ASSURANCES CONSEIL

What is the revenue of GB ASSURANCES CONSEIL ?

The revenue of GB ASSURANCES CONSEIL is not publicly disclosed (confidential accounts filed with INPI).

Is GB ASSURANCES CONSEIL profitable?

GB ASSURANCES CONSEIL recorded a net loss in 2023.

Where is the headquarters of GB ASSURANCES CONSEIL ?

The headquarters of GB ASSURANCES CONSEIL is located in NANTERRE (92000), in the department Hauts-de-Seine.

Where to find the tax return of GB ASSURANCES CONSEIL ?

The tax return of GB ASSURANCES 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).

In which sector does GB ASSURANCES CONSEIL operate?

GB ASSURANCES 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.