NOVACONSEIL ASSURANCES : revenue, balance sheet and financial ratios

NOVACONSEIL ASSURANCES is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE PLESSIS-TREVISE (94420), this company of category PME shows in 2025 a revenue of 901 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - NOVACONSEIL ASSURANCES (SIREN 789728532)
Indicator 2025 2024 2023 2022 2021 2020 2019 2017 2016
Revenue 901 334 € 748 278 € 656 023 € 647 903 € 592 203 € 498 525 € 445 206 € 327 396 € 191 412 €
Net income 274 201 € 196 393 € 188 783 € 175 381 € 148 918 € 112 761 € 77 102 € 48 318 € 46 097 €
EBITDA 386 395 € 288 565 € 233 341 € 259 097 € 225 614 € 181 217 € 132 176 € 72 566 € 67 365 €
Net margin 30.4% 26.2% 28.8% 27.1% 25.1% 22.6% 17.3% 14.8% 24.1%

Revenue and income statement

In 2025, NOVACONSEIL ASSURANCES achieves revenue of 901 k€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +18.8%. Vs 2024, growth of +20% (748 k€ -> 901 k€). After deducting consumption (0 €), gross margin stands at 901 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 386 k€, representing 42.9% of revenue. Positive scissor effect: EBITDA margin improves by +4.3 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 274 k€, i.e. 30.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

901 334 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

901 334 €

EBITDA (2025) ?
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

386 395 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

371 964 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

274 201 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

42.4%

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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 48%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 31.4% 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 (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

47.88%

Financial autonomy (2025) ?
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

50.576%

Cash flow / Revenue (2025) ?
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

31.361%

Repayment capacity (2025) ?
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

1.206

Asset age ratio (2025) ?
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

18.7%

Solvency indicators evolution
NOVACONSEIL ASSURANCES

Sector positioning

Debt ratio
47.88 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Watch +6 pts over 3 years

In 2025, the debt ratio of NOVACONSEIL ASSURANCES (47.88) 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.

Financial autonomy
50.58% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Average

In 2025, the financial autonomy of NOVACONSEIL ASSURANCES (50.6%) 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
1.21 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.02 years
Q3: 1.45 years
Average +6 pts over 3 years

In 2025, the repayment capacity of NOVACONSEIL ASSURANCES (1.21) 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 84.51. 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 3.8x. Financial charges are adequately covered by operations.

Liquidity ratio (2025) ?
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

84.513

Interest coverage (2025) ?
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

3.805

Liquidity indicators evolution
NOVACONSEIL ASSURANCES

Sector positioning

Liquidity ratio
84.51 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Watch -6 pts over 3 years

In 2025, the liquidity ratio of NOVACONSEIL ASSURANCES (84.51) 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
3.81x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.93x
Excellent +7 pts over 3 years

In 2025, the interest coverage of NOVACONSEIL ASSURANCES (3.8x) 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) and payment terms

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: 5 days. Favorable situation: supplier credit is longer than customer credit by 5 days. WCR is negative (-127 days): operations structurally generate cash. Notable WCR improvement over the period (-3163%), freeing up cash.

Operating WCR (2025) ?
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

-318 558 €

Customer credit (2025) ?
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 (2025) ?
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

5 j

Inventory turnover (2025) ?
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 (2025) ?
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

-127 j

WCR and payment terms evolution
NOVACONSEIL ASSURANCES

Positioning of NOVACONSEIL 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 NOVACONSEIL ASSURANCES is estimated at 609 919 € (range 186 703€ - 2 191 891€). With an EBITDA of 386 395€, 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 2025
193 transactions
186k€ 609k€ 2191k€
609 919 € Range: 186 703€ - 2 191 891€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
386 395 € × 1.2x
Estimation 467 791 €
120 826€ - 2 387 738€
Revenue Multiple 30%
901 334 € × 0.98x
Estimation 885 496 €
246 935€ - 1 646 869€
Net Income Multiple 20%
274 201 € × 2.0x
Estimation 551 876 €
261 048€ - 2 519 809€

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 NOVACONSEIL 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 NOVACONSEIL ASSURANCES

What is the revenue of NOVACONSEIL ASSURANCES ?

The revenue of NOVACONSEIL ASSURANCES in 2025 is 901 k€.

Is NOVACONSEIL ASSURANCES profitable?

Yes, NOVACONSEIL ASSURANCES generated a net profit of 274 k€ in 2025.

Where is the headquarters of NOVACONSEIL ASSURANCES ?

The headquarters of NOVACONSEIL ASSURANCES is located in LE PLESSIS-TREVISE (94420), in the department Val-de-Marne.

Where to find the tax return of NOVACONSEIL ASSURANCES ?

The tax return of NOVACONSEIL 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 NOVACONSEIL ASSURANCES operate?

NOVACONSEIL 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.