SIREN : 523834489
LINARD CHARBONNEL is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TOULOUSE (31500), this company of category ETI shows in 2024 a revenue of 2.9 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 858 558 € | 2 175 129 € | N/C | N/C | N/C | N/C | N/C | N/C |
| Net income | 733 279 € | 547 397 € | 413 927 € | 870 630 € | 373 524 € | 121 848 € | 22 814 € | 136 890 € |
| EBITDA | 1 232 166 € | 824 301 € | N/C | N/C | N/C | N/C | N/C | N/C |
| Net margin | 25.7% | 25.2% | N/C | N/C | N/C | N/C | N/C | N/C |
In 2024, LINARD CHARBONNEL achieves revenue of 2.9 M€. Over the period 2023-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +31.4%. Vs 2023, growth of +31% (2.2 M€ -> 2.9 M€). After deducting consumption (0 €), gross margin stands at 2.9 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.2 M€, representing 43.1% of revenue. Positive scissor effect: EBITDA margin improves by +5.2 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 733 k€, i.e. 25.7% of revenue. This profit can be retained or distributed to shareholders.
2 858 558 €
2 858 558 €
1 232 166 €
1 235 166 €
733 279 €
43.0%
The debt ratio (= Financial debt / Equity x 100) stands at 50%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 65%. 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 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 25.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
50.088%
65.165%
25.436%
3.515
29.1%
In 2024, the debt ratio of LINARD CHARBONNEL (50.09) 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 2024, the financial autonomy of LINARD CHARBONNEL (65.2%) 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.
In 2024, the repayment capacity of LINARD CHARBONNEL (3.52) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 771.44. 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 18.2x. Operating income very largely covers interest expenses: high safety margin.
771.443
18.171
In 2024, the liquidity ratio of LINARD CHARBONNEL (771.44) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of LINARD CHARBONNEL (18.2x) 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: 64 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. The gap of 45 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 67 days of revenue, i.e. 533 k€ to permanently finance.
533 121 €
64 j
19 j
0 j
67 j
Based on 193 transactions of similar company sales (all years), the value of LINARD CHARBONNEL is estimated at 1 883 531 € (range 567 214€ - 6 721 716€). With an EBITDA of 1 232 166€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare LINARD CHARBONNEL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LINARD CHARBONNEL in 2024 is 2.9 M€.
Yes, LINARD CHARBONNEL generated a net profit of 733 k€ in 2024.
The headquarters of LINARD CHARBONNEL is located in TOULOUSE (31500), in the department Haute-Garonne.
The tax return of LINARD CHARBONNEL 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).
LINARD CHARBONNEL 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.