MAGNOLIA WEB ASSURANCES : revenue, balance sheet and financial ratios

MAGNOLIA WEB ASSURANCES is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOULOGNE-BILLANCOURT (92100), this company of category ETI shows in 2023 a revenue of 16.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - MAGNOLIA WEB ASSURANCES (SIREN 433801602)
Indicator 2023 2022 2021 2020 2019
Revenue 16 269 789 € 14 598 306 € 11 877 760 € 10 236 391 € 10 808 062 €
Net income 5 434 608 € 4 825 491 € 2 009 515 € 2 424 474 € 3 094 431 €
EBITDA 6 970 660 € 5 461 801 € 3 116 444 € 1 940 322 € 3 720 371 €
Net margin 33.4% 33.1% 16.9% 23.7% 28.6%

Revenue and income statement

In 2023, MAGNOLIA WEB ASSURANCES achieves revenue of 16.3 M€. Over the period 2019-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +10.8%. Vs 2022, growth of +11% (14.6 M€ -> 16.3 M€). After deducting consumption (0 €), gross margin stands at 16.3 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 7.0 M€, representing 42.8% of revenue. Positive scissor effect: EBITDA margin improves by +5.4 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 5.4 M€, i.e. 33.4% of revenue. This profit can be retained or distributed to shareholders.

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

16 269 789 €

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

16 269 789 €

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

6 970 660 €

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

6 635 440 €

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

5 434 608 €

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

42.8%

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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 64%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 35.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

64.349%

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

46.295%

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

35.481%

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

1.235

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

15.2%

Solvency indicators evolution
MAGNOLIA WEB ASSURANCES

Sector positioning

Debt ratio
64.35 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average +24 pts over 3 years

In 2023, the debt ratio of MAGNOLIA WEB ASSURANCES (64.35) 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
46.3% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Average -8 pts over 3 years

In 2023, the financial autonomy of MAGNOLIA WEB ASSURANCES (46.3%) 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
1.24 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average +13 pts over 3 years

In 2023, the repayment capacity of MAGNOLIA WEB ASSURANCES (1.24) 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 124.41. 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 1.8x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

124.405

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

1.777

Liquidity indicators evolution
MAGNOLIA WEB ASSURANCES

Sector positioning

Liquidity ratio
124.41 2023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Average

In 2023, the liquidity ratio of MAGNOLIA WEB ASSURANCES (124.41) 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
1.78x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good +18 pts over 3 years

In 2023, the interest coverage of MAGNOLIA WEB ASSURANCES (1.8x) 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. Average customer payment term: 94 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 155 days. Excellent situation: suppliers finance 61 days of the operating cycle (retail model). Overall, WCR represents 99 days of revenue, i.e. 4.5 M€ to permanently finance. Over 2019-2023, WCR increased by +234%, requiring additional financing.

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

4 473 378 €

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

94 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

155 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

99 j

WCR and payment terms evolution
MAGNOLIA WEB ASSURANCES

Positioning of MAGNOLIA WEB ASSURANCES 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 MAGNOLIA WEB ASSURANCES is estimated at 11 202 311 € (range 3 461 858€ - 40 444 294€). With an EBITDA of 6 970 660€, 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 2023
193 transactions
3461k€ 11202k€ 40444k€
11 202 311 € Range: 3 461 858€ - 40 444 294€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
6 970 660 € × 1.2x
Estimation 8 439 056 €
2 179 723€ - 43 075 379€
Revenue Multiple 30%
16 269 789 € × 0.98x
Estimation 15 983 899 €
4 457 380€ - 29 727 281€
Net Income Multiple 20%
5 434 608 € × 2.0x
Estimation 10 938 069 €
5 173 917€ - 49 942 101€

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 MAGNOLIA WEB ASSURANCES with other companies in the same sector:

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

Frequently asked questions about MAGNOLIA WEB ASSURANCES

What is the revenue of MAGNOLIA WEB ASSURANCES ?

The revenue of MAGNOLIA WEB ASSURANCES in 2023 is 16.3 M€.

Is MAGNOLIA WEB ASSURANCES profitable?

Yes, MAGNOLIA WEB ASSURANCES generated a net profit of 5.4 M€ in 2023.

Where is the headquarters of MAGNOLIA WEB ASSURANCES ?

The headquarters of MAGNOLIA WEB ASSURANCES is located in BOULOGNE-BILLANCOURT (92100), in the department Hauts-de-Seine.

Where to find the tax return of MAGNOLIA WEB ASSURANCES ?

The tax return of MAGNOLIA WEB ASSURANCES 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 MAGNOLIA WEB ASSURANCES operate?

MAGNOLIA WEB ASSURANCES 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.