Employees: NN (None)Legal category: SCA (commandite par actions)Size: PMECreation date: 2011-07-12 (14 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: COURBEVOIE (92400), Hauts-de-Seine
PREVAAL CONSEIL : revenue, balance sheet and financial ratios
PREVAAL CONSEIL is a French company
founded 14 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in COURBEVOIE (92400),
this company of category PME
shows in 2024 a revenue of 26 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - PREVAAL CONSEIL (SIREN 533891727)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
26 239 €
22 504 €
31 079 €
26 141 €
21 869 €
25 805 €
99 154 €
106 873 €
N/C
Net income
9 809 €
25 345 €
12 776 €
-399 €
-23 728 €
-10 059 €
5 952 €
21 457 €
-10 028 €
EBITDA
-27 663 €
-199 360 €
-322 223 €
-335 399 €
-273 728 €
-268 824 €
-171 823 €
-192 827 €
-1 350 €
Net margin
37.4%
112.6%
41.1%
-1.5%
-108.5%
-39.0%
6.0%
20.1%
N/C
Revenue and income statement
In 2024, PREVAAL CONSEIL achieves revenue of 26 k€. Revenue is declining over the period 2017-2024 (CAGR: -18.2%). Vs 2023, growth of +17% (23 k€ -> 26 k€). After deducting consumption (0 €), gross margin stands at 26 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 -28 k€, representing -105.4% of revenue. Positive scissor effect: EBITDA margin improves by +780.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10 k€, i.e. 37.4% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2024)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
26 239 €
Gross margin (2024)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
26 239 €
EBITDA (2024)
?
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
-27 663 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
-27 663 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
9 809 €
EBITDA margin (2024)
?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
-105.4%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
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 33%. 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
0.004%
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
32.838%
Cash flow / Revenue (2024)
?
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
-118.876%
Repayment capacity (2024)
?
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 PREVAAL CONSEIL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
89.115
69.778
57.232
0.0
0.0
0.007
0.006
0.0
0.004
Financial autonomy
7.295
15.61
21.699
24.302
38.21
10.426
43.523
27.288
32.838
Repayment capacity
-0.192
-0.348
-0.345
0.0
0.0
0.0
0.0
0.0
0.0
Cash flow / Revenue
None%
-185.775%
-175.533%
-1007.785%
-1251.671%
-1283.038%
-1036.79%
-900.529%
-118.876%
Sector positioning
Debt ratio
0.02024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent
In 2024, the debt ratio of PREVAAL CONSEIL (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
32.84%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average-8 pts over 3 years
In 2024, the financial autonomy of PREVAAL CONSEIL (32.8%) 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 years2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent
In 2024, the repayment capacity of PREVAAL CONSEIL (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 147.02. 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
147.02
Interest coverage (2024)
?
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
0.0
Liquidity indicators evolution PREVAAL CONSEIL
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
112.073
123.978
144.298
121.022
151.242
94.504
109.95
136.05
147.02
Interest coverage
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Sector positioning
Liquidity ratio
147.022024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average+6 pts over 3 years
In 2024, the liquidity ratio of PREVAAL CONSEIL (147.02) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
Interest coverage
0.0x2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average
In 2024, the interest coverage of PREVAAL CONSEIL (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-3077 days): operations structurally generate cash.
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
-224 237 €
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 in days of revenue (2024)
?
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
-3077 j
WCR and payment terms evolution PREVAAL CONSEIL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
0 €
-455 367 €
-118 491 €
-272 502 €
-94 583 €
-586 452 €
-67 727 €
-253 492 €
-224 237 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
0
0
Supplier payment term (days)
0
0
0
0
0
0
0
0
0
Positioning of PREVAAL CONSEIL 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 PREVAAL CONSEIL is estimated at
23 363 €
(range 8 048€ - 64 821€).
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 value2024
193 transactions
8k€23k€64k€
23 363 €Range: 8 048€ - 64 821€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
Revenue Multiple30%
26 239 €×0.98x
Estimation25 778 €
7 189€ - 47 942€
Net Income Multiple20%
9 809 €×2.0x
Estimation19 742 €
9 338€ - 90 141€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 PREVAAL CONSEIL with other companies in the same sector:
Yes, PREVAAL CONSEIL generated a net profit of 10 k€ in 2024.
Where is the headquarters of PREVAAL CONSEIL ?
The headquarters of PREVAAL CONSEIL is located in COURBEVOIE (92400), in the department Hauts-de-Seine.
Where to find the tax return of PREVAAL CONSEIL ?
The tax return of PREVAAL CONSEIL 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 PREVAAL CONSEIL operate?
PREVAAL CONSEIL 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.
Item evolution
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