GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL : revenue, balance sheet and financial ratios

GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in WINTZENHEIM (68920), this company of category PME shows in 2022 a revenue of 673 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL (SIREN 395351893)
Indicator 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 673 369 € N/C N/C N/C N/C N/C 845 766 € 862 484 €
Net income 300 955 € 255 338 € 283 898 € 293 003 € 376 854 € 350 131 € 352 855 € 377 732 €
EBITDA 373 901 € N/C N/C N/C N/C N/C 533 001 € 511 647 €
Net margin 44.7% N/C N/C N/C N/C N/C 41.7% 43.8%

Revenue and income statement

In 2022, GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL achieves revenue of 673 k€. Activity remains stable over the period (CAGR: -3.5%). After deducting consumption (0 €), gross margin stands at 673 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 374 k€, representing 55.5% 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 301 k€, i.e. 44.7% 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

673 369 €

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

673 369 €

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

373 901 €

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

373 685 €

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

300 955 €

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

54.8%

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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 162%. 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 20%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 44.1% 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

162.242%

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

20.296%

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

44.089%

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

4.316

Asset age ratio (2022) ?
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

37.5%

Solvency indicators evolution
GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL

Sector positioning

Debt ratio
162.24 2022
2020
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Average

In 2022, the debt ratio of GROUPE COURTIERS CONSEILS... (162.24) 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
20.3% 2022
2020
2021
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Average -5 pts over 3 years

In 2022, the financial autonomy of GROUPE COURTIERS CONSEILS... (20.3%) 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
4.32 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Watch

In 2022, the repayment capacity of GROUPE COURTIERS CONSEILS... (4.32) 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 198.17. 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 6.2x. Operating income very largely covers interest expenses: high safety margin.

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

198.173

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

6.228

Liquidity indicators evolution
GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL

Sector positioning

Liquidity ratio
198.17 2022
2020
2021
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Average -9 pts over 3 years

In 2022, the liquidity ratio of GROUPE COURTIERS CONSEILS... (198.17) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
6.23x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Excellent

In 2022, the interest coverage of GROUPE COURTIERS CONSEILS... (6.2x) 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: 617 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 154 days. The gap of 463 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 858 days of revenue, i.e. 1.6 M€ to permanently finance. Over 2015-2022, WCR increased by +92%, 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

1 604 308 €

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

617 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

154 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

858 j

WCR and payment terms evolution
GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL

Positioning of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL 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 GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL is estimated at 545 937 € (range 171 107€ - 2 077 502€). With an EBITDA of 373 901€, 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 2022
193 transactions
171k€ 545k€ 2077k€
545 937 € Range: 171 107€ - 2 077 502€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
373 901 € × 1.2x
Estimation 452 665 €
116 919€ - 2 310 531€
Revenue Multiple 30%
673 369 € × 0.98x
Estimation 661 537 €
184 481€ - 1 230 344€
Net Income Multiple 20%
300 955 € × 2.0x
Estimation 605 723 €
286 519€ - 2 765 669€

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 GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL with other companies in the same sector:

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

Frequently asked questions about GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL

What is the revenue of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL ?

The revenue of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL in 2022 is 673 k€.

Is GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL profitable?

Yes, GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL generated a net profit of 301 k€ in 2022.

Where is the headquarters of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL ?

The headquarters of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL is located in WINTZENHEIM (68920), in the department Haut-Rhin.

Where to find the tax return of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL ?

The tax return of GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL 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 GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL operate?

GROUPE COURTIERS CONSEILS UNIS ASSURANCES A. WALDVOGEL 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.