HOWDEN STURGE INTERNATIONAL SERVICES : revenue, balance sheet and financial ratios

HOWDEN STURGE INTERNATIONAL SERVICES is a French company founded 35 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANTIBES (06600), this company of category PME shows in 2020 a revenue of 599 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - HOWDEN STURGE INTERNATIONAL SERVICES (SIREN 381902964)
Indicator 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 598 989 € 655 497 € 662 692 € 660 000 € 558 905 €
Net income 63 971 € -150 622 € -16 034 € 9 910 € 6 556 € 10 050 € -26 879 €
EBITDA N/C N/C -18 165 € 12 525 € 9 509 € 12 618 € -25 471 €
Net margin N/C N/C -2.7% 1.5% 1.0% 1.5% -4.8%

Revenue and income statement

In 2022, HOWDEN STURGE INTERNATIONAL SERVICES generates positive net income of 64 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

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

63 971 €

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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 -1002%. 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 -4%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

-1002.269%

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

-3.694%

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

18.1%

Solvency indicators evolution
HOWDEN STURGE INTERNATIONAL SERVICES

Sector positioning

Debt ratio
-1002.27 2022
2020
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Excellent

In 2022, the debt ratio of HOWDEN STURGE INTERNATION... (-1002.27) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-3.69% 2022
2020
2021
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Average -30 pts over 3 years

In 2022, the financial autonomy of HOWDEN STURGE INTERNATION... (-3.7%) 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
-0.0 years 2020
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Excellent

In 2020, the repayment capacity of HOWDEN STURGE INTERNATION... (-0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 122.13. 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

122.133

Liquidity indicators evolution
HOWDEN STURGE INTERNATIONAL SERVICES

Sector positioning

Liquidity ratio
122.13 2022
2020
2021
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Average

In 2022, the liquidity ratio of HOWDEN STURGE INTERNATION... (122.13) 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
0.0x 2020
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Average

In 2020, the interest coverage of HOWDEN STURGE INTERNATION... (0.0x) 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.

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

0 €

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

0 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

0 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 and payment terms evolution
HOWDEN STURGE INTERNATIONAL SERVICES

Positioning of HOWDEN STURGE INTERNATIONAL SERVICES 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 HOWDEN STURGE INTERNATIONAL SERVICES is estimated at 128 752 € (range 60 902€ - 587 870€). 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
60k€ 128k€ 587k€
128 752 € Range: 60 902€ - 587 870€
NAF 5 all-time

Valuation method used

Net Income Multiple
63 971 € × 2.0x = 128 752 €
Range: 60 902€ - 587 871€

Only this financial indicator is available for this company.

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 HOWDEN STURGE INTERNATIONAL SERVICES with other companies in the same sector:

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

Frequently asked questions about HOWDEN STURGE INTERNATIONAL SERVICES

What is the revenue of HOWDEN STURGE INTERNATIONAL SERVICES ?

The revenue of HOWDEN STURGE INTERNATIONAL SERVICES in 2020 is 599 k€.

Is HOWDEN STURGE INTERNATIONAL SERVICES profitable?

Yes, HOWDEN STURGE INTERNATIONAL SERVICES generated a net profit of 64 k€ in 2022.

Where is the headquarters of HOWDEN STURGE INTERNATIONAL SERVICES ?

The headquarters of HOWDEN STURGE INTERNATIONAL SERVICES is located in ANTIBES (06600), in the department Alpes-Maritimes.

Where to find the tax return of HOWDEN STURGE INTERNATIONAL SERVICES ?

The tax return of HOWDEN STURGE INTERNATIONAL SERVICES 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 HOWDEN STURGE INTERNATIONAL SERVICES operate?

HOWDEN STURGE INTERNATIONAL SERVICES 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.