PARIS- RIVOLI ASSURANCES : revenue, balance sheet and financial ratios

PARIS- RIVOLI ASSURANCES is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LES CLAYES-SOUS-BOIS (78340), this company of category PME shows in 2016 a revenue of 60 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 - PARIS- RIVOLI ASSURANCES (SIREN 522650654)
Indicator 2016 2014 2013
Revenue 59 896 € 68 709 € 81 321 €
Net income 32 670 € -725 € -62 391 €
EBITDA 37 721 € 16 027 € -47 615 €
Net margin 54.5% -1.1% -76.7%

Revenue and income statement

In 2016, PARIS- RIVOLI ASSURANCES achieves revenue of 60 k€. Revenue is declining over the period 2013-2016 (CAGR: -9.7%). Significant drop of -13% vs 2014. After deducting consumption (0 €), gross margin stands at 60 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 38 k€, representing 63.0% of revenue. Positive scissor effect: EBITDA margin improves by +39.7 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 33 k€, i.e. 54.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

59 896 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

59 896 €

EBITDA (2016) ?
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

37 721 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

34 982 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

32 670 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

63.0%

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 0%. 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 54%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 55.3% 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 (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.02%

Financial autonomy (2016) ?
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

53.616%

Cash flow / Revenue (2016) ?
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

55.313%

Repayment capacity (2016) ?
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

0.0

Solvency indicators evolution
PARIS- RIVOLI ASSURANCES

Sector positioning

Debt ratio
0.02 2016
2013
2014
2016
Q1: 0.0
Med: 7.68
Q3: 54.19
Good -52 pts over 3 years

In 2016, the debt ratio of PARIS- RIVOLI ASSURANCES (0.02) 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
53.62% 2016
2013
2014
2016
Q1: 11.77%
Med: 42.8%
Q3: 70.67%
Good +10 pts over 3 years

In 2016, the financial autonomy of PARIS- RIVOLI ASSURANCES (53.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.0 years 2016
2013
2014
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Excellent

In 2016, the repayment capacity of PARIS- RIVOLI ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 46.37. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2016) ?
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

46.367

Interest coverage (2016) ?
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

0.551

Liquidity indicators evolution
PARIS- RIVOLI ASSURANCES

Sector positioning

Liquidity ratio
46.37 2016
2013
2014
2016
Q1: 106.39
Med: 191.21
Q3: 431.0
Watch

In 2016, the liquidity ratio of PARIS- RIVOLI ASSURANCES (46.37) 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
0.55x 2016
2013
2014
2016
Q1: 0.0x
Med: 0.0x
Q3: 3.01x
Good +31 pts over 3 years

In 2016, the interest coverage of PARIS- RIVOLI ASSURANCES (0.6x) 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 63 days. Excellent situation: suppliers finance 63 days of the operating cycle (retail model). WCR is negative (-598 days): operations structurally generate cash. Notable WCR improvement over the period (-2844%), freeing up cash.

Operating WCR (2016) ?
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

-99 491 €

Customer credit (2016) ?
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 (2016) ?
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

63 j

Inventory turnover (2016) ?
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 (2016) ?
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

-598 j

WCR and payment terms evolution
PARIS- RIVOLI ASSURANCES

Positioning of PARIS- RIVOLI 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 PARIS- RIVOLI ASSURANCES is estimated at 53 637 € (range 17 041€ - 209 425€). With an EBITDA of 37 721€, 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 2016
193 transactions
17k€ 53k€ 209k€
53 637 € Range: 17 041€ - 209 425€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
37 721 € × 1.2x
Estimation 45 667 €
11 795€ - 233 098€
Revenue Multiple 30%
59 896 € × 0.98x
Estimation 58 844 €
16 410€ - 109 439€
Net Income Multiple 20%
32 670 € × 2.0x
Estimation 65 754 €
31 103€ - 300 226€

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 PARIS- RIVOLI 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 PARIS- RIVOLI ASSURANCES

What is the revenue of PARIS- RIVOLI ASSURANCES ?

The revenue of PARIS- RIVOLI ASSURANCES in 2016 is 60 k€.

Is PARIS- RIVOLI ASSURANCES profitable?

Yes, PARIS- RIVOLI ASSURANCES generated a net profit of 33 k€ in 2016.

Where is the headquarters of PARIS- RIVOLI ASSURANCES ?

The headquarters of PARIS- RIVOLI ASSURANCES is located in LES CLAYES-SOUS-BOIS (78340), in the department Yvelines.

Where to find the tax return of PARIS- RIVOLI ASSURANCES ?

The tax return of PARIS- RIVOLI 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 PARIS- RIVOLI ASSURANCES operate?

PARIS- RIVOLI 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.