Employees: 03 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1992-07-24 (33 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: MERIGNAC (33700), Gironde
INNOVA CONSEIL : revenue, balance sheet and financial ratios
INNOVA CONSEIL is a French company
founded 33 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in MERIGNAC (33700),
this company of category PME
shows in 2022 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - INNOVA CONSEIL (SIREN 388379943)
Indicator
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
1 004 552 €
N/C
N/C
N/C
N/C
N/C
880 336 €
Net income
344 823 €
194 479 €
219 104 €
137 609 €
118 299 €
262 707 €
133 207 €
133 231 €
EBITDA
N/C
262 294 €
N/C
N/C
N/C
N/C
N/C
-66 292 €
Net margin
N/C
19.4%
N/C
N/C
N/C
N/C
N/C
15.1%
Revenue and income statement
In 2023, INNOVA CONSEIL generates positive net income of 345 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2023: 133 k€ -> 345 k€.
Net income (2023)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
344 823 €
Loading income statement...
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
Loading data...
Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
Loading data...
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 58%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 43%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
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
57.621%
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
42.953%
Asset age ratio (2023)
?
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
2019
2020
2021
2022
2023
Debt ratio
14.05
34.953
33.13
20.48
9.593
9.854
48.68
57.621
Financial autonomy
34.223
40.325
44.379
43.179
43.459
49.772
38.857
42.953
Repayment capacity
0.033
None
None
None
None
None
1.36
None
Cash flow / Revenue
15.513%
None%
None%
None%
None%
None%
21.35%
None%
Sector positioning
Debt ratio
57.622023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average+32 pts over 3 years
In 2023, the debt ratio of INNOVA CONSEIL (57.62) 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
42.95%2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average-6 pts over 3 years
In 2023, the financial autonomy of INNOVA CONSEIL (43.0%) 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
1.36 years2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average
In 2022, the repayment capacity of INNOVA CONSEIL (1.36) 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 312.48. 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
312.477
Liquidity indicators evolution INNOVA CONSEIL
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
Liquidity ratio
135.336
154.146
206.771
177.664
168.402
212.328
226.659
312.477
Interest coverage
-2.052
None
None
None
None
None
0.216
None
Sector positioning
Liquidity ratio
312.482023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Good+8 pts over 3 years
In 2023, the liquidity ratio of INNOVA CONSEIL (312.48) 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.
Interest coverage
0.22x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Good
In 2022, the interest coverage of INNOVA CONSEIL (0.2x) 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) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
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
0 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 INNOVA CONSEIL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
Operating WCR
-233 967 €
0 €
0 €
0 €
0 €
0 €
-101 269 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
Customer payment term (days)
101
0
0
0
0
0
81
0
Supplier payment term (days)
43
0
0
0
0
0
34
0
Positioning of INNOVA CONSEIL 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 INNOVA CONSEIL is estimated at
694 014 €
(range 328 282€ - 3 168 799€).
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 value2023
193 transactions
328k€694k€3168k€
694 014 €Range: 328 282€ - 3 168 799€
NAF 5 all-time
Valuation method used
Net Income Multiple
344 823 €
×
2.0x
=694 015 €
Range: 328 282€ - 3 168 800€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 INNOVA CONSEIL with other companies in the same sector:
Yes, INNOVA CONSEIL generated a net profit of 345 k€ in 2023.
Where is the headquarters of INNOVA CONSEIL ?
The headquarters of INNOVA CONSEIL is located in MERIGNAC (33700), in the department Gironde.
Where to find the tax return of INNOVA CONSEIL ?
The tax return of INNOVA 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 INNOVA CONSEIL operate?
INNOVA 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.
Item evolution
Rotate your phone to landscape mode to view the chart