Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

PENN AR BED COURTAGE ASSURANCES : revenue, balance sheet and financial ratios

PENN AR BED COURTAGE ASSURANCES is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE FOLGOET (29260), this company of category PME shows in 2019 a net income positive of 3 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - PENN AR BED COURTAGE ASSURANCES (SIREN 838082782)
Indicator 2019
Revenue N/C
Net income 3 273 €
EBITDA N/C
Net margin N/C

Revenue and income statement

In 2019, PENN AR BED COURTAGE ASSURANCES generates positive net income of 3 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

3 273 €

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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 347%. 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 20%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

346.736%

Financial autonomy (2019) ?
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

19.954%

Solvency indicators evolution
PENN AR BED COURTAGE ASSURANCES

Sector positioning

Debt ratio
346.74 2019
2019
Q1: 0.02
Med: 10.37
Q3: 63.27
Watch

In 2019, the debt ratio of PENN AR BED COURTAGE ASSU... (346.74) 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
19.95% 2019
2019
Q1: 15.58%
Med: 46.47%
Q3: 74.04%
Average

In 2019, the financial autonomy of PENN AR BED COURTAGE ASSU... (19.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Positioning of PENN AR BED COURTAGE ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 2 669€ to 16 226€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
2k€ 4k€ 16k€
4 028 € Range: 2 669€ - 16 226€
NAF 5 année 2019
How is this estimate calculated?

This estimate is based on the analysis of 38 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 PENN AR BED COURTAGE 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 PENN AR BED COURTAGE ASSURANCES

What is the revenue of PENN AR BED COURTAGE ASSURANCES ?

The revenue of PENN AR BED COURTAGE ASSURANCES is not publicly disclosed (confidential accounts filed with INPI).

Is PENN AR BED COURTAGE ASSURANCES profitable?

Yes, PENN AR BED COURTAGE ASSURANCES generated a net profit of 3 k€ in 2019.

Where is the headquarters of PENN AR BED COURTAGE ASSURANCES ?

The headquarters of PENN AR BED COURTAGE ASSURANCES is located in LE FOLGOET (29260), in the department Finistere.

Where to find the tax return of PENN AR BED COURTAGE ASSURANCES ?

The tax return of PENN AR BED COURTAGE 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 PENN AR BED COURTAGE ASSURANCES operate?

PENN AR BED COURTAGE 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.