Employees: 11 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 2008-03-06 (18 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: SAINT-DENIS (97490), La Reunion
HVA AGENT GENERAL : revenue, balance sheet and financial ratios
HVA AGENT GENERAL is a French company
founded 18 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in SAINT-DENIS (97490),
this company of category PME
shows in 2021 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - HVA AGENT GENERAL (SIREN 503884322)
Indicator
2024
2023
2022
2021
2018
2017
2016
Revenue
N/C
N/C
N/C
1 028 082 €
746 096 €
701 610 €
624 446 €
Net income
-521 630 €
143 216 €
43 656 €
130 460 €
15 861 €
50 737 €
54 136 €
EBITDA
N/C
N/C
N/C
182 567 €
11 488 €
29 275 €
71 365 €
Net margin
N/C
N/C
N/C
12.7%
2.1%
7.2%
8.7%
Revenue and income statement
In 2024, HVA AGENT GENERAL records a net loss of 522 k€. This deficit will reduce equity on the balance sheet.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
-521 630 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 23%. 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 70%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
23.303%
Financial autonomy (2024)
?
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
69.667%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2021
2022
2023
2024
Debt ratio
3.443
17.046
143.483
42.031
82.426
46.193
23.303
Financial autonomy
57.823
63.88
26.809
57.717
42.129
52.015
69.667
Repayment capacity
0.0
0.0
16.672
1.567
None
None
None
Cash flow / Revenue
8.67%
7.232%
1.344%
12.754%
None%
None%
None%
Sector positioning
Debt ratio
23.32024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average-15 pts over 3 years
In 2024, the debt ratio of HVA AGENT GENERAL (23.30) 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
69.67%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good+23 pts over 3 years
In 2024, the financial autonomy of HVA AGENT GENERAL (69.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 351.88. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
351.875
Liquidity indicators evolution HVA AGENT GENERAL
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2021
2022
2023
2024
Liquidity ratio
237.092
276.852
218.13
364.082
137.622
159.855
351.875
Interest coverage
0.0
0.01
7.782
1.762
None
None
None
Sector positioning
Liquidity ratio
351.882024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good+29 pts over 3 years
In 2024, the liquidity ratio of HVA AGENT GENERAL (351.88) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
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 (2024)
?
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 (2024)
?
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 (2024)
?
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 (2024)
?
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 HVA AGENT GENERAL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2021
2022
2023
2024
Operating WCR
35 750 €
149 604 €
323 440 €
425 112 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
3
28
48
29
0
0
0
Supplier payment term (days)
1
0
60
17
0
0
0
Positioning of HVA AGENT GENERAL in its sector
Comparison with sector Activités des agents et courtiers d'assurances
Similar companies (Activités des agents et courtiers d'assurances)
Compare HVA AGENT GENERAL with other companies in the same sector:
Frequently asked questions about HVA AGENT GENERAL
What is the revenue of HVA AGENT GENERAL ?
The revenue of HVA AGENT GENERAL in 2021 is 1.0 M€.
Is HVA AGENT GENERAL profitable?
HVA AGENT GENERAL recorded a net loss in 2024.
Where is the headquarters of HVA AGENT GENERAL ?
The headquarters of HVA AGENT GENERAL is located in SAINT-DENIS (97490), in the department La Reunion.
Where to find the tax return of HVA AGENT GENERAL ?
The tax return of HVA AGENT GENERAL 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 HVA AGENT GENERAL operate?
HVA AGENT GENERAL 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.
Item evolution
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