SIREN : 800790917
MATCLO ASSURANCES is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VALBONNE (06560), this company of category PME shows in 2024 a revenue of 1.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 070 331 € | 999 305 € | 907 843 € | 917 944 € | 857 653 € | 615 023 € | 560 578 € | 414 285 € |
| Net income | 354 577 € | 239 553 € | 5 009 € | 153 439 € | 19 092 € | 93 501 € | 120 895 € | 195 018 € |
| EBITDA | 290 752 € | 169 430 € | 46 933 € | 209 299 € | 281 873 € | 167 416 € | 214 305 € | 153 775 € |
| Net margin | 33.1% | 24.0% | 0.6% | 16.7% | 2.2% | 15.2% | 21.6% | 47.1% |
In 2024, MATCLO ASSURANCES achieves revenue of 1.1 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.5%. Vs 2023: +7%. After deducting consumption (93 €), gross margin stands at 1.1 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 291 k€, representing 27.2% of revenue. Positive scissor effect: EBITDA margin improves by +10.2 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 355 k€, i.e. 33.1% of revenue. This profit can be retained or distributed to shareholders.
1 070 331 €
1 070 238 €
290 752 €
281 275 €
354 577 €
26.7%
The debt ratio (= Financial debt / Equity x 100) stands at 203%. 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 32%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 36.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
202.707%
31.964%
36.014%
6.133
17.7%
In 2024, the debt ratio of MATCLO ASSURANCES (202.71) 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.
In 2024, the financial autonomy of MATCLO ASSURANCES (32.0%) 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 2024, the repayment capacity of MATCLO ASSURANCES (6.13) 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 502.23. 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 16.5x. Operating income very largely covers interest expenses: high safety margin.
502.226
16.535
In 2024, the liquidity ratio of MATCLO ASSURANCES (502.23) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of MATCLO ASSURANCES (16.5x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 6 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Overall, WCR represents 88 days of revenue, i.e. 262 k€ to permanently finance. Over 2017-2024, WCR increased by +176%, requiring additional financing.
261 953 €
0 j
6 j
0 j
88 j
Based on 193 transactions of similar company sales (all years), the value of MATCLO ASSURANCES is estimated at 634 186 € (range 200 943€ - 2 136 737€). With an EBITDA of 290 752€, 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 MATCLO ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of MATCLO ASSURANCES in 2024 is 1.1 M€.
Yes, MATCLO ASSURANCES generated a net profit of 355 k€ in 2024.
The headquarters of MATCLO ASSURANCES is located in VALBONNE (06560), in the department Alpes-Maritimes.
The tax return of MATCLO 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).
MATCLO 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.