INTERSELECTION ACTUARIAT FINANCE : revenue, balance sheet and financial ratios

INTERSELECTION ACTUARIAT FINANCE is a French company founded 30 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BORDEAUX (33000), this company of category PME shows in 2023 a revenue of 71 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - INTERSELECTION ACTUARIAT FINANCE (SIREN 404360463)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 71 228 € 122 892 € 155 876 € 362 682 € 429 847 € 617 029 € 674 779 € 694 710 €
Net income -141 578 € -62 535 € 25 294 € -151 982 € 200 294 € -133 420 € 225 097 € 191 403 €
EBITDA -106 974 € -85 344 € -76 881 € 3 182 € 45 404 € 213 911 € 269 794 € 275 398 €
Net margin -198.8% -50.9% 16.2% -41.9% 46.6% -21.6% 33.4% 27.6%

Revenue and income statement

In 2023, INTERSELECTION ACTUARIAT FINANCE achieves revenue of 71 k€. Revenue is declining over the period 2016-2023 (CAGR: -27.8%). Significant drop of -42% vs 2022. After deducting consumption (0 €), gross margin stands at 71 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 -107 k€, representing -150.2% of revenue. Warning negative scissor effect: despite revenue change (-42%), EBITDA varies by -25%, reducing margin by 80.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -142 k€ (-198.8% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

71 228 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

71 228 €

EBITDA (2023) ?
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

-106 974 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-145 281 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-141 578 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-150.2%

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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 5%. 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 77%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 139.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

5.461%

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

77.371%

Cash flow / Revenue (2023) ?
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

1.47%

Repayment capacity (2023) ?
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

139.413

Asset age ratio (2023) ?
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

60.1%

Solvency indicators evolution
INTERSELECTION ACTUARIAT FINANCE

Sector positioning

Debt ratio
5.46 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Good

In 2023, the debt ratio of INTERSELECTION ACTUARIAT ... (5.46) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
77.37% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Excellent

In 2023, the financial autonomy of INTERSELECTION ACTUARIAT ... (77.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
139.41 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Watch +52 pts over 3 years

In 2023, the repayment capacity of INTERSELECTION ACTUARIAT ... (139.41) 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 182.00. 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

182.002

Interest coverage (2023) ?
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

-106.482

Liquidity indicators evolution
INTERSELECTION ACTUARIAT FINANCE

Sector positioning

Liquidity ratio
182.0 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Average -30 pts over 3 years

In 2023, the liquidity ratio of INTERSELECTION ACTUARIAT ... (182.00) 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
-106.48x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Watch

In 2023, the interest coverage of INTERSELECTION ACTUARIAT ... (-106.5x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 268 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. The gap of 196 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-1741 days): operations structurally generate cash. Notable WCR improvement over the period (-242%), freeing up cash.

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

-344 474 €

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

268 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

72 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 in days of revenue (2023) ?
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

-1741 j

WCR and payment terms evolution
INTERSELECTION ACTUARIAT FINANCE

Positioning of INTERSELECTION ACTUARIAT FINANCE 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 INTERSELECTION ACTUARIAT FINANCE is estimated at 69 976 € (range 19 514€ - 130 143€). 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 2023
193 transactions
19k€ 69k€ 130k€
69 976 € Range: 19 514€ - 130 143€
NAF 5 all-time

Valuation method used

Revenue Multiple
71 228 € × 0.98x = 69 976 €
Range: 19 514€ - 130 144€

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 INTERSELECTION ACTUARIAT FINANCE with other companies in the same sector:

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

Frequently asked questions about INTERSELECTION ACTUARIAT FINANCE

What is the revenue of INTERSELECTION ACTUARIAT FINANCE ?

The revenue of INTERSELECTION ACTUARIAT FINANCE in 2023 is 71 k€.

Is INTERSELECTION ACTUARIAT FINANCE profitable?

INTERSELECTION ACTUARIAT FINANCE recorded a net loss in 2023.

Where is the headquarters of INTERSELECTION ACTUARIAT FINANCE ?

The headquarters of INTERSELECTION ACTUARIAT FINANCE is located in BORDEAUX (33000), in the department Gironde.

Where to find the tax return of INTERSELECTION ACTUARIAT FINANCE ?

The tax return of INTERSELECTION ACTUARIAT FINANCE 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 INTERSELECTION ACTUARIAT FINANCE operate?

INTERSELECTION ACTUARIAT FINANCE 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.