OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES : revenue, balance sheet and financial ratios

OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AUBAGNE (13400), this company of category PME shows in 2023 a revenue of 208 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES (SIREN 498729656)
Indicator 2023 2021 2020 2019 2018 2017
Revenue 207 562 € 139 986 € 132 895 € 184 474 € 163 055 € 171 861 €
Net income -39 293 € -7 159 € 3 172 € -8 634 € 1 365 € 731 €
EBITDA -6 246 € 28 534 € 29 735 € 40 653 € 48 855 € 46 991 €
Net margin -18.9% -5.1% 2.4% -4.7% 0.8% 0.4%

Revenue and income statement

In 2023, OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES achieves revenue of 208 k€. Revenue is growing positively over 6 years (CAGR: +3.2%). Vs 2021, growth of +48% (140 k€ -> 208 k€). After deducting consumption (0 €), gross margin stands at 208 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 -6 k€, representing -3.0% of revenue. Warning negative scissor effect: despite revenue change (+48%), EBITDA varies by -122%, reducing margin by 23.4 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -39 k€ (-18.9% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

207 562 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

207 562 €

EBITDA (2023) ?
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

-6 246 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-45 816 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-39 293 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-3.0%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 3997%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 137.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

3997.069%

Financial autonomy (2023) ?
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

0.356%

Cash flow / Revenue (2023) ?
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

0.167%

Repayment capacity (2023) ?
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

137.934

Asset age ratio (2023) ?
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

43.9%

Solvency indicators evolution
OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES

Sector positioning

Debt ratio
3997.07 2023
2020
2021
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Watch

In 2023, the debt ratio of OFFICE DE PLACEMENTS DES ... (3997.07) 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
0.36% 2023
2020
2021
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average

In 2023, the financial autonomy of OFFICE DE PLACEMENTS DES ... (0.4%) 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
137.93 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Watch +10 pts over 3 years

In 2023, the repayment capacity of OFFICE DE PLACEMENTS DES ... (137.93) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 11.98. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

11.977

Interest coverage (2023) ?
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

-16.843

Liquidity indicators evolution
OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES

Sector positioning

Liquidity ratio
11.98 2023
2020
2021
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Watch -18 pts over 3 years

In 2023, the liquidity ratio of OFFICE DE PLACEMENTS DES ... (11.98) 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
-16.84x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Average -42 pts over 3 years

In 2023, the interest coverage of OFFICE DE PLACEMENTS DES ... (-16.8x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 537 days. Excellent situation: suppliers finance 537 days of the operating cycle (retail model). Overall, WCR represents 53 days of revenue, i.e. 31 k€ to permanently finance. Over 2017-2023, WCR increased by +32%, requiring additional financing.

Operating WCR (2023) ?
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

30 545 €

Customer credit (2023) ?
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 (2023) ?
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

537 j

Inventory turnover (2023) ?
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 (2023) ?
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

53 j

WCR and payment terms evolution
OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES

Positioning of OFFICE DE PLACEMENTS DES RISQUES D'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 OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES is estimated at 203 914 € (range 56 865€ - 379 246€). 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 2023
193 transactions
56k€ 203k€ 379k€
203 914 € Range: 56 865€ - 379 246€
NAF 5 all-time

Valuation method used

Revenue Multiple
207 562 € × 0.98x = 203 915 €
Range: 56 865€ - 379 246€

Only this financial indicator is available for this company.

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 OFFICE DE PLACEMENTS DES RISQUES D'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 OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES

What is the revenue of OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES ?

The revenue of OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES in 2023 is 208 k€.

Is OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES profitable?

OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES recorded a net loss in 2023.

Where is the headquarters of OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES ?

The headquarters of OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES is located in AUBAGNE (13400), in the department Bouches-du-Rhone.

Where to find the tax return of OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES ?

The tax return of OFFICE DE PLACEMENTS DES RISQUES D'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 OFFICE DE PLACEMENTS DES RISQUES D'ASSURANCES operate?

OFFICE DE PLACEMENTS DES RISQUES D'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.