SIREN : 820062263
PH THOREL ASSURANCES is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VALOGNES (50700), this company of category PME shows in 2025 a revenue of 9 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9 418 € | 285 524 € | 357 121 € | 276 709 € | 276 677 € | 267 545 € | 261 880 € | 278 704 € | 254 636 € |
| Net income | -5 888 € | 129 758 € | 63 928 € | 9 014 € | 41 653 € | 18 410 € | -5 878 € | 26 053 € | 36 674 € |
| EBITDA | -8 971 € | 4 229 € | 79 735 € | 12 357 € | 50 092 € | 42 305 € | -21 103 € | 10 944 € | 28 697 € |
| Net margin | -62.5% | 45.4% | 17.9% | 3.3% | 15.1% | 6.9% | -2.2% | 9.3% | 14.4% |
In 2025, PH THOREL ASSURANCES achieves revenue of 9 k€. Revenue is declining over the period 2017-2025 (CAGR: -33.8%). Significant drop of -97% vs 2024. After deducting consumption (0 €), gross margin stands at 9 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 -9 k€, representing -95.3% of revenue. Warning negative scissor effect: despite revenue change (-97%), EBITDA varies by -312%, reducing margin by 96.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -6 k€ (-62.5% of revenue), which will impact equity.
9 418 €
9 418 €
-8 971 €
-9 169 €
-5 888 €
-95.3%
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 99%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
0.467%
98.747%
-238.363%
-0.086
In 2025, the debt ratio of PH THOREL ASSURANCES (0.47) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of PH THOREL ASSURANCES (98.8%) 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.
In 2025, the repayment capacity of PH THOREL ASSURANCES (-0.09) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 12633.92. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
12633.918
-21.937
In 2025, the liquidity ratio of PH THOREL ASSURANCES (12633.92) 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.
In 2025, the interest coverage of PH THOREL ASSURANCES (-21.9x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 15831 days of revenue, i.e. 414 k€ to permanently finance. Over 2017-2025, WCR increased by +3695%, requiring additional financing.
414 164 €
0 j
0 j
0 j
15831 j
Based on 193 transactions of similar company sales (all years), the value of PH THOREL ASSURANCES is estimated at 9 252 € (range 2 580€ - 17 208€). 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.
Only this financial indicator is available for this company.
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare PH THOREL ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PH THOREL ASSURANCES in 2025 is 9 k€.
PH THOREL ASSURANCES recorded a net loss in 2025.
The headquarters of PH THOREL ASSURANCES is located in VALOGNES (50700), in the department Manche.
The tax return of PH THOREL 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).
PH THOREL 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.