SIREN : 537835019
JP CONSEILS ASSOCIES is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NIMES (30900), this company of category PME shows in 2019 a revenue of 111 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
| Indicator | 2019 | 2016 |
|---|---|---|
| Revenue | 110 548 € | 112 632 € |
| Net income | 19 466 € | 14 394 € |
| EBITDA | 21 760 € | 3 800 € |
| Net margin | 17.6% | 12.8% |
In 2019, JP CONSEILS ASSOCIES achieves revenue of 111 k€. Slight decline of -2% vs 2016. After deducting consumption (0 €), gross margin stands at 111 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 22 k€, representing 19.7% of revenue. Positive scissor effect: EBITDA margin improves by +16.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 19 k€, i.e. 17.6% of revenue. This profit can be retained or distributed to shareholders.
110 548 €
110 548 €
21 760 €
21 526 €
19 466 €
19.7%
The debt ratio (= Financial debt / Equity x 100) stands at 48%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
47.87%
29.88%
17.82%
1.445
6.5%
In 2019, the debt ratio of JP CONSEILS ASSOCIES (47.87) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2019, the financial autonomy of JP CONSEILS ASSOCIES (29.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2019, the repayment capacity of JP CONSEILS ASSOCIES (1.45) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 140.29. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 3.8x. Financial charges are adequately covered by operations.
140.295
3.755
In 2019, the liquidity ratio of JP CONSEILS ASSOCIES (140.29) 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.
In 2019, the interest coverage of JP CONSEILS ASSOCIES (3.8x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 36 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. Excellent situation: suppliers finance 36 days of the operating cycle (retail model). WCR is negative (-161 days): operations structurally generate cash.
-49 330 €
36 j
72 j
0 j
-161 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 23 735€ to 124 562€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare JP CONSEILS ASSOCIES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of JP CONSEILS ASSOCIES in 2019 is 111 k€.
Yes, JP CONSEILS ASSOCIES generated a net profit of 19 k€ in 2019.
The headquarters of JP CONSEILS ASSOCIES is located in NIMES (30900), in the department Gard.
The tax return of JP CONSEILS ASSOCIES 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).
JP CONSEILS ASSOCIES 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.