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

PICTET LIFE INSURANCE ADVISORS (FRANCE) : revenue, balance sheet and financial ratios

PICTET LIFE INSURANCE ADVISORS (FRANCE) is a French company founded 29 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2017 a net income positive of 1.1 M€. 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 - PICTET LIFE INSURANCE ADVISORS (FRANCE) (SIREN 408235950)
Indicator 2017 2016
Revenue N/C N/C
Net income 1 065 192 € 549 094 €
EBITDA 1 066 158 € N/C
Net margin N/C N/C

Revenue and income statement

In 2017, PICTET LIFE INSURANCE ADVISORS (FRANCE) generates positive net income of 1.1 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2017: 549 k€ -> 1.1 M€.

EBITDA (2017) ?
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

1 066 158 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 066 159 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 065 192 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Financial autonomy (2017) ?
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

0.0%

Repayment capacity (2017) ?
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
PICTET LIFE INSURANCE ADVISORS (FRANCE)

Sector positioning

Debt ratio
0.0 2016
2016
Q1: 0.0
Med: 7.68
Q3: 53.85
Excellent

In 2016, the debt ratio of PICTET LIFE INSURANCE ADV... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2017
2016
2017
Q1: 15.61%
Med: 45.06%
Q3: 71.98%
Average

In 2017, the financial autonomy of PICTET LIFE INSURANCE ADV... (0.0%) 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
0.0 years 2017
2016
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.91 years
Excellent

In 2017, the repayment capacity of PICTET LIFE INSURANCE ADV... (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 interest coverage ratio (= EBIT / Interest expenses) is 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.

Interest coverage (2017) ?
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

0.293

Liquidity indicators evolution
PICTET LIFE INSURANCE ADVISORS (FRANCE)

Sector positioning

Interest coverage
0.29x 2017
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.76x
Good

In 2017, the interest coverage of PICTET LIFE INSURANCE ADV... (0.3x) 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.

Positioning of PICTET LIFE INSURANCE ADVISORS (FRANCE) 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 (20 transactions). This range of 802 527€ to 6 818 107€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2017
Indicative
802k€ 1394k€ 6818k€
1 394 200 € Range: 802 527€ - 6 818 107€
NAF 5 année 2017

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 PICTET LIFE INSURANCE ADVISORS (FRANCE) with other companies in the same sector:

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

Frequently asked questions about PICTET LIFE INSURANCE ADVISORS (FRANCE)

What is the revenue of PICTET LIFE INSURANCE ADVISORS (FRANCE) ?

The revenue of PICTET LIFE INSURANCE ADVISORS (FRANCE) is not publicly disclosed (confidential accounts filed with INPI).

Is PICTET LIFE INSURANCE ADVISORS (FRANCE) profitable?

Yes, PICTET LIFE INSURANCE ADVISORS (FRANCE) generated a net profit of 1.1 M€ in 2017.

Where is the headquarters of PICTET LIFE INSURANCE ADVISORS (FRANCE) ?

The headquarters of PICTET LIFE INSURANCE ADVISORS (FRANCE) is located in PARIS (75008), in the department Paris.

Where to find the tax return of PICTET LIFE INSURANCE ADVISORS (FRANCE) ?

The tax return of PICTET LIFE INSURANCE ADVISORS (FRANCE) 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 PICTET LIFE INSURANCE ADVISORS (FRANCE) operate?

PICTET LIFE INSURANCE ADVISORS (FRANCE) 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.