Employees: 01 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2016-01-01 (10 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: REIMS (51100), Marne
MBCA : revenue, balance sheet and financial ratios
MBCA is a French company
founded 10 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in REIMS (51100),
this company of category PME
shows in 2021 a revenue of 185 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, MBCA generates positive net income of 103 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 32 k€ -> 103 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
103 475 €
Loading income statement...
Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
Loading data...
Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
Loading data...
Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 4%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 95%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
4.041%
Financial autonomy (2024)
?
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
94.95%
Solvency indicators evolution MBCA
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2019
2020
2021
2023
2024
Debt ratio
691.866
233.929
91.56
65.339
38.443
11.975
4.041
Financial autonomy
10.876
28.132
48.245
55.736
68.43
88.434
94.95
Repayment capacity
-19.851
3.906
3.545
3.108
1.505
None
None
Cash flow / Revenue
-11.101%
40.219%
38.129%
34.902%
55.334%
None%
None%
Sector positioning
Debt ratio
4.042024
2021
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good-23 pts over 3 years
In 2024, the debt ratio of MBCA (4.04) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
94.95%2024
2021
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent
In 2024, the financial autonomy of MBCA (95.0%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Repayment capacity
1.5 years2021
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.51 years
Average
In 2021, the repayment capacity of MBCA (1.50) 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 2381.63. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
2381.632
Liquidity indicators evolution MBCA
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2019
2020
2021
2023
2024
Liquidity ratio
280.79
590.483
37.194
157.759
207.436
2310.448
2381.632
Interest coverage
-68.437
4.425
3.176
2.147
1.143
None
None
Sector positioning
Liquidity ratio
2381.632024
2021
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent+29 pts over 3 years
In 2024, the liquidity ratio of MBCA (2381.63) 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.
Interest coverage
1.14x2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Good
In 2021, the interest coverage of MBCA (1.1x) 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.
Operating WCR (2024)
?
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
0 €
Customer credit (2024)
?
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
0 j
Supplier credit (2024)
?
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 (2024)
?
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 and payment terms evolution MBCA
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2019
2020
2021
2023
2024
Operating WCR
64 064 €
85 047 €
-31 343 €
-39 651 €
-26 922 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
Supplier payment term (days)
28
15
20
25
25
0
0
Positioning of MBCA 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 MBCA is estimated at
208 260 €
(range 98 511€ - 950 898€).
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 value2024
193 transactions
98k€208k€950k€
208 260 €Range: 98 511€ - 950 898€
NAF 5 all-time
Valuation method used
Net Income Multiple
103 475 €
×
2.0x
=208 261 €
Range: 98 511€ - 950 898€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 MBCA with other companies in the same sector:
Yes, MBCA generated a net profit of 103 k€ in 2024.
Where is the headquarters of MBCA ?
The headquarters of MBCA is located in REIMS (51100), in the department Marne.
Where to find the tax return of MBCA ?
The tax return of MBCA 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 MBCA operate?
MBCA 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.
Item evolution
Rotate your phone to landscape mode to view the chart