JB ASSURANCES PLACEMENTS CONSEILS : revenue, balance sheet and financial ratios

JB ASSURANCES PLACEMENTS CONSEILS is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE PERREUX-SUR-MARNE (94170), this company of category PME shows in 2022 a revenue of 114 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

Financial history - JB ASSURANCES PLACEMENTS CONSEILS (SIREN 451274849)
Indicator 2022 2021 2018
Revenue 113 972 € 107 502 € 91 875 €
Net income -2 889 € -9 270 € -29 122 €
EBITDA 8 640 € 13 759 € -12 954 €
Net margin -2.5% -8.6% -31.7%

Revenue and income statement

In 2022, JB ASSURANCES PLACEMENTS CONSEILS achieves revenue of 114 k€. Over the period 2018-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +5.5%. Vs 2021: +6%. After deducting consumption (351 €), gross margin stands at 114 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 9 k€, representing 7.6% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -37%, reducing margin by 5.2 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -3 k€ (-2.5% of revenue), which will impact equity.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

113 972 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

113 621 €

EBITDA (2022) ?
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

8 640 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-11 492 €

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

-2 889 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

7.6%

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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 3418%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 32.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 9.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

3417.545%

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

2.843%

Cash flow / Revenue (2022) ?
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

9.074%

Repayment capacity (2022) ?
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

32.659

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

70.6%

Solvency indicators evolution
JB ASSURANCES PLACEMENTS CONSEILS

Sector positioning

Debt ratio
3417.55 2022
2018
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Watch

In 2022, the debt ratio of JB ASSURANCES PLACEMENTS ... (3417.55) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
2.84% 2022
2018
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Average

In 2022, the financial autonomy of JB ASSURANCES PLACEMENTS ... (2.8%) 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
32.66 years 2022
2018
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Watch +51 pts over 3 years

In 2022, the repayment capacity of JB ASSURANCES PLACEMENTS ... (32.66) 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.

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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 1 days of gap between collections and payments. Overall, WCR represents 1 days of revenue, i.e. 284 € to permanently finance. Notable WCR improvement over the period (-100%), freeing up cash.

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

284 €

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

1 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 in days of revenue (2022) ?
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

1 j

WCR and payment terms evolution
JB ASSURANCES PLACEMENTS CONSEILS

Positioning of JB ASSURANCES PLACEMENTS CONSEILS 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 JB ASSURANCES PLACEMENTS CONSEILS is estimated at 48 526 € (range 13 397€ - 111 460€). With an EBITDA of 8 640€, 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.

Estimated enterprise value 2022
193 transactions
13k€ 48k€ 111k€
48 526 € Range: 13 397€ - 111 460€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
8 640 € × 1.2x
Estimation 10 460 €
2 702€ - 53 391€
Revenue Multiple 30%
113 972 € × 0.98x
Estimation 111 969 €
31 225€ - 208 243€

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 JB ASSURANCES PLACEMENTS CONSEILS with other companies in the same sector:

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

Frequently asked questions about JB ASSURANCES PLACEMENTS CONSEILS

What is the revenue of JB ASSURANCES PLACEMENTS CONSEILS ?

The revenue of JB ASSURANCES PLACEMENTS CONSEILS in 2022 is 114 k€.

Is JB ASSURANCES PLACEMENTS CONSEILS profitable?

JB ASSURANCES PLACEMENTS CONSEILS recorded a net loss in 2022.

Where is the headquarters of JB ASSURANCES PLACEMENTS CONSEILS ?

The headquarters of JB ASSURANCES PLACEMENTS CONSEILS is located in LE PERREUX-SUR-MARNE (94170), in the department Val-de-Marne.

Where to find the tax return of JB ASSURANCES PLACEMENTS CONSEILS ?

The tax return of JB ASSURANCES PLACEMENTS CONSEILS 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 JB ASSURANCES PLACEMENTS CONSEILS operate?

JB ASSURANCES PLACEMENTS CONSEILS 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.