OR CONSEILS : revenue, balance sheet and financial ratios

OR CONSEILS is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category PME shows in 2022 a revenue of 1.4 M€. 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 - OR CONSEILS (SIREN 482391067)
Indicator 2024 2022 2019
Revenue N/C 1 408 556 € 367 034 €
Net income 907 539 € 674 788 € 93 571 €
EBITDA N/C 1 014 601 € 141 029 €
Net margin N/C 47.9% 25.5%

Revenue and income statement

In 2024, OR CONSEILS generates positive net income of 908 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2024: 94 k€ -> 908 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

907 539 €

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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 6%. 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 87%. 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

5.988%

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

86.535%

Asset age ratio (2024) ?
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

45.7%

Solvency indicators evolution
OR CONSEILS

Sector positioning

Debt ratio
5.99 2024
2019
2022
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good +19 pts over 3 years

In 2024, the debt ratio of OR CONSEILS (5.99) 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
86.53% 2024
2019
2022
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent +17 pts over 3 years

In 2024, the financial autonomy of OR CONSEILS (86.5%) 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
0.03 years 2022
2019
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Good

In 2022, the repayment capacity of OR CONSEILS (0.03) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 326.36. 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

326.355

Liquidity indicators evolution
OR CONSEILS

Sector positioning

Liquidity ratio
326.36 2024
2019
2022
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +11 pts over 3 years

In 2024, the liquidity ratio of OR CONSEILS (326.36) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
23.5x 2022
2019
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Excellent +25 pts over 2 years

In 2022, the interest coverage of OR CONSEILS (23.5x) 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.

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
OR CONSEILS

Positioning of OR CONSEILS 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 OR CONSEILS is estimated at 1 826 576 € (range 864 005€ - 8 339 958€). 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 2024
193 transactions
864k€ 1826k€ 8339k€
1 826 576 € Range: 864 005€ - 8 339 958€
NAF 5 all-time

Valuation method used

Net Income Multiple
907 539 € × 2.0x = 1 826 576 €
Range: 864 006€ - 8 339 958€

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 OR CONSEILS with other companies in the same sector:

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

Frequently asked questions about OR CONSEILS

What is the revenue of OR CONSEILS ?

The revenue of OR CONSEILS in 2022 is 1.4 M€.

Is OR CONSEILS profitable?

Yes, OR CONSEILS generated a net profit of 908 k€ in 2024.

Where is the headquarters of OR CONSEILS ?

The headquarters of OR CONSEILS is located in PARIS (75009), in the department Paris.

Where to find the tax return of OR CONSEILS ?

The tax return of OR CONSEILS 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 OR CONSEILS operate?

OR CONSEILS 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.