Employees: 03 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 2020-06-01 (5 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: PUTEAUX (92800), Hauts-de-Seine
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
NOVACOVER : revenue, balance sheet and financial ratios
NOVACOVER is a French company
founded 5 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in PUTEAUX (92800),
this company of category PME
shows in 2025 a net income positive of 814 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2025, NOVACOVER generates positive net income of 814 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2025: 101 k€ -> 814 k€.
Net income (2025)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
813 826 €
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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
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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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 29%. 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 36%. The balance between equity and debt is satisfactory.
Debt ratio (2025)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
28.769%
Financial autonomy (2025)
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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
35.845%
Asset age ratio (2025)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2022
2024
2025
Debt ratio
73.26
30.944
28.769
Financial autonomy
23.101
34.847
35.845
Repayment capacity
None
None
None
Cash flow / Revenue
None%
None%
None%
Sector positioning
Debt ratio
28.772025
2022
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Average-9 pts over 3 years
In 2025, the debt ratio of NOVACOVER (28.77) 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
35.84%2025
2022
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Average+10 pts over 3 years
In 2025, the financial autonomy of NOVACOVER (35.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 166.11. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2025)
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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
166.111
Liquidity indicators evolution NOVACOVER
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2022
2024
2025
Liquidity ratio
138.769
154.442
166.111
Interest coverage
None
None
None
Sector positioning
Liquidity ratio
166.112025
2022
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Average
In 2025, the liquidity ratio of NOVACOVER (166.11) 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.
Positioning of NOVACOVER 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 NOVACOVER is estimated at
1 637 962 €
(range 774 787€ - 7 478 769€).
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 value2025
193 transactions
774k€1637k€7478k€
1 637 962 €Range: 774 787€ - 7 478 769€
NAF 5 all-time
Valuation method used
Net Income Multiple
813 826 €
×
2.0x
=1 637 963 €
Range: 774 788€ - 7 478 769€
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 NOVACOVER with other companies in the same sector:
The revenue of NOVACOVER is not publicly disclosed (confidential accounts filed with INPI).
Is NOVACOVER profitable?
Yes, NOVACOVER generated a net profit of 814 k€ in 2025.
Where is the headquarters of NOVACOVER ?
The headquarters of NOVACOVER is located in PUTEAUX (92800), in the department Hauts-de-Seine.
Where to find the tax return of NOVACOVER ?
The tax return of NOVACOVER 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 NOVACOVER operate?
NOVACOVER 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
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