ORVAL FINANCE CONSEIL SARL : revenue, balance sheet and financial ratios

ORVAL FINANCE CONSEIL SARL is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ORLEANS (45000), this company of category PME shows in 2022 a revenue of 278 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 - ORVAL FINANCE CONSEIL SARL (SIREN 393810569)
Indicator 2024 2023 2022 2018 2016
Revenue N/C N/C 278 220 € 246 466 € 305 048 €
Net income 34 044 € 50 969 € 117 931 € 121 262 € 149 314 €
EBITDA N/C N/C 140 214 € 135 091 € 163 212 €
Net margin N/C N/C 42.4% 49.2% 48.9%

Revenue and income statement

In 2024, ORVAL FINANCE CONSEIL SARL generates positive net income of 34 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 149 k€ -> 34 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

34 044 €

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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 124%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory.

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

123.622%

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

38.506%

Solvency indicators evolution
ORVAL FINANCE CONSEIL SARL

Sector positioning

Debt ratio
123.62 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Watch

In 2024, the debt ratio of ORVAL FINANCE CONSEIL SARL (123.62) 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
38.51% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average -16 pts over 3 years

In 2024, the financial autonomy of ORVAL FINANCE CONSEIL SARL (38.5%) 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
0.83 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average

In 2022, the repayment capacity of ORVAL FINANCE CONSEIL SARL (0.83) 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 595.85. 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

595.849

Liquidity indicators evolution
ORVAL FINANCE CONSEIL SARL

Sector positioning

Liquidity ratio
595.85 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Excellent +68 pts over 3 years

In 2024, the liquidity ratio of ORVAL FINANCE CONSEIL SARL (595.85) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.75x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good

In 2022, the interest coverage of ORVAL FINANCE CONSEIL SARL (0.8x) 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.

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
ORVAL FINANCE CONSEIL SARL

Positioning of ORVAL FINANCE CONSEIL SARL 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 ORVAL FINANCE CONSEIL SARL is estimated at 68 519 € (range 32 410€ - 312 852€). 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
32k€ 68k€ 312k€
68 519 € Range: 32 410€ - 312 852€
NAF 5 all-time

Valuation method used

Net Income Multiple
34 044 € × 2.0x = 68 519 €
Range: 32 411€ - 312 852€

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 ORVAL FINANCE CONSEIL SARL with other companies in the same sector:

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

Frequently asked questions about ORVAL FINANCE CONSEIL SARL

What is the revenue of ORVAL FINANCE CONSEIL SARL ?

The revenue of ORVAL FINANCE CONSEIL SARL in 2022 is 278 k€.

Is ORVAL FINANCE CONSEIL SARL profitable?

Yes, ORVAL FINANCE CONSEIL SARL generated a net profit of 34 k€ in 2024.

Where is the headquarters of ORVAL FINANCE CONSEIL SARL ?

The headquarters of ORVAL FINANCE CONSEIL SARL is located in ORLEANS (45000), in the department Loiret.

Where to find the tax return of ORVAL FINANCE CONSEIL SARL ?

The tax return of ORVAL FINANCE CONSEIL SARL 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 ORVAL FINANCE CONSEIL SARL operate?

ORVAL FINANCE CONSEIL SARL 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.