NOUVEAU CONSEIL FINANCIER : revenue, balance sheet and financial ratios

NOUVEAU CONSEIL FINANCIER is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTLIEU-LA-GARDE (17210), this company of category PME shows in 2019 a revenue of 90 k€. 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 - NOUVEAU CONSEIL FINANCIER (SIREN 441612504)
Indicator 2019 2018 2017
Revenue 89 837 € 79 934 € 70 396 €
Net income 14 390 € 8 404 € 5 947 €
EBITDA 16 715 € 9 767 € 8 213 €
Net margin 16.0% 10.5% 8.4%

Revenue and income statement

In 2019, NOUVEAU CONSEIL FINANCIER achieves revenue of 90 k€. Over the period 2017-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +13.0%. Vs 2018, growth of +12% (80 k€ -> 90 k€). After deducting consumption (0 €), gross margin stands at 90 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 17 k€, representing 18.6% of revenue. Positive scissor effect: EBITDA margin improves by +6.4 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 14 k€, i.e. 16.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2019) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

89 837 €

Gross margin (2019) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

89 837 €

EBITDA (2019) ?
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

16 715 €

EBIT (2019) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

17 022 €

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

14 390 €

EBITDA margin (2019) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

18.6%

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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 99%. Debt level is high: negotiating margin with banks is reduced. 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. Cash flow represents 16.4% 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 (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

98.517%

Financial autonomy (2019) ?
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

45.835%

Cash flow / Revenue (2019) ?
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

16.392%

Repayment capacity (2019) ?
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

0.0

Solvency indicators evolution
NOUVEAU CONSEIL FINANCIER

Sector positioning

Debt ratio
98.52 2019
2017
2018
2019
Q1: 0.02
Med: 10.33
Q3: 63.27
Average

In 2019, the debt ratio of NOUVEAU CONSEIL FINANCIER (98.52) 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
45.84% 2019
2017
2018
2019
Q1: 15.63%
Med: 46.49%
Q3: 74.02%
Average -17 pts over 3 years

In 2019, the financial autonomy of NOUVEAU CONSEIL FINANCIER (45.8%) 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
0.0 years 2019
2017
2018
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Excellent

In 2019, the repayment capacity of NOUVEAU CONSEIL FINANCIER (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 15.01. 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 0.5x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2019) ?
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

15.005

Interest coverage (2019) ?
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

0.473

Liquidity indicators evolution
NOUVEAU CONSEIL FINANCIER

Sector positioning

Liquidity ratio
15.01 2019
2017
2018
2019
Q1: 110.27
Med: 205.98
Q3: 471.66
Watch

In 2019, the liquidity ratio of NOUVEAU CONSEIL FINANCIER (15.01) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.47x 2019
2017
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Good -20 pts over 3 years

In 2019, the interest coverage of NOUVEAU CONSEIL FINANCIER (0.5x) 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: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 3 days. The company must finance 4 days of gap between collections and payments. WCR is negative (-213 days): operations structurally generate cash. Over 2017-2019, WCR increased by +24%, requiring additional financing.

Operating WCR (2019) ?
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

-53 268 €

Customer credit (2019) ?
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

7 j

Supplier credit (2019) ?
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

3 j

Inventory turnover (2019) ?
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 (2019) ?
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

-213 j

WCR and payment terms evolution
NOUVEAU CONSEIL FINANCIER

Positioning of NOUVEAU CONSEIL FINANCIER in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 18 871€ to 97 840€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
18k€ 54k€ 97k€
54 599 € Range: 18 871€ - 97 840€
NAF 5 année 2019

Valuation evolution

How is this estimate calculated?

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.

  • 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 NOUVEAU CONSEIL FINANCIER with other companies in the same sector:

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

Frequently asked questions about NOUVEAU CONSEIL FINANCIER

What is the revenue of NOUVEAU CONSEIL FINANCIER ?

The revenue of NOUVEAU CONSEIL FINANCIER in 2019 is 90 k€.

Is NOUVEAU CONSEIL FINANCIER profitable?

Yes, NOUVEAU CONSEIL FINANCIER generated a net profit of 14 k€ in 2019.

Where is the headquarters of NOUVEAU CONSEIL FINANCIER ?

The headquarters of NOUVEAU CONSEIL FINANCIER is located in MONTLIEU-LA-GARDE (17210), in the department Charente-Maritime.

Where to find the tax return of NOUVEAU CONSEIL FINANCIER ?

The tax return of NOUVEAU CONSEIL FINANCIER 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 NOUVEAU CONSEIL FINANCIER operate?

NOUVEAU CONSEIL FINANCIER 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.