SIREN : 434352225
GROUPE VECTORYAZ is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in OLLIOULES (83190), this company of category PME shows in 2023 a revenue of 103 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
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 102 598 € | 88 131 € | 87 120 € | 91 405 € | 89 004 € | 102 755 € | 112 086 € | 108 802 € | 110 532 € |
| Net income | 3 301 € | 31 534 € | 8 233 € | 1 123 € | 609 € | 209 € | 12 086 € | 11 551 € | -279 € |
| EBITDA | 18 082 € | -32 719 € | -53 907 € | -436 € | 3 116 € | 1 081 € | 10 251 € | 8 379 € | -1 894 € |
| Net margin | 3.2% | 35.8% | 9.5% | 1.2% | 0.7% | 0.2% | 10.8% | 10.6% | -0.3% |
In 2023, GROUPE VECTORYAZ achieves revenue of 103 k€. Activity remains stable over the period (CAGR: -0.9%). Vs 2022, growth of +16% (88 k€ -> 103 k€). After deducting consumption (0 €), gross margin stands at 103 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 18 k€, representing 17.6% of revenue. Positive scissor effect: EBITDA margin improves by +54.7 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 3 k€, i.e. 3.2% of revenue. This profit can be retained or distributed to shareholders.
102 598 €
102 598 €
18 082 €
18 078 €
3 301 €
17.6%
The debt ratio (= Financial debt / Equity x 100) stands at 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 23.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
32.431%
37.574%
23.845%
1.162
In 2023, the debt ratio of GROUPE VECTORYAZ (32.43) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of GROUPE VECTORYAZ (37.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of GROUPE VECTORYAZ (1.16) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1.35. The company can meet its short-term commitments with a reasonable safety margin. The interest coverage ratio (= EBIT / Interest expenses) is 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.
1.346
0.066
In 2023, the liquidity ratio of GROUPE VECTORYAZ (1.35) 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.
In 2023, the interest coverage of GROUPE VECTORYAZ (0.1x) 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) 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: 32 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). WCR is negative (-320 days): operations structurally generate cash.
-91 119 €
0 j
32 j
0 j
-320 j
Based on 193 transactions of similar company sales (all years), the value of GROUPE VECTORYAZ is estimated at 42 512 € (range 11 888€ - 118 174€). With an EBITDA of 18 082€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare GROUPE VECTORYAZ with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of GROUPE VECTORYAZ in 2023 is 103 k€.
Yes, GROUPE VECTORYAZ generated a net profit of 3 k€ in 2023.
The headquarters of GROUPE VECTORYAZ is located in OLLIOULES (83190), in the department Var.
The tax return of GROUPE VECTORYAZ 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).
GROUPE VECTORYAZ 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.