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SAMUEL GRELIER ASSURANCES ET PATRIMOINE : revenue, balance sheet and financial ratios

SAMUEL GRELIER ASSURANCES ET PATRIMOINE is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VANNES (56000), this company of category PME shows in 2022 a revenue of 269 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - SAMUEL GRELIER ASSURANCES ET PATRIMOINE (SIREN 899239933)
Indicator 2022
Revenue 269 230 €
Net income 34 058 €
EBITDA 42 149 €
Net margin 12.7%

Revenue and income statement

In 2022, SAMUEL GRELIER ASSURANCES ET PATRIMOINE achieves revenue of 269 k€. After deducting consumption (0 €), gross margin stands at 269 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 42 k€, representing 15.7% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 34 k€, i.e. 12.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

269 230 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

269 230 €

EBITDA (2022) ?
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

42 149 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

41 024 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

34 058 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

15.5%

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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 424%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 9.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 12.3% 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 (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

423.625%

Financial autonomy (2022) ?
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

17.867%

Cash flow / Revenue (2022) ?
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

12.272%

Repayment capacity (2022) ?
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

9.485

Asset age ratio (2022) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

72.5%

Solvency indicators evolution
SAMUEL GRELIER ASSURANCES ET PATRIMOINE

Sector positioning

Debt ratio
423.62 2022
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Average

In 2022, the debt ratio of SAMUEL GRELIER ASSURANCES... (423.62) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
17.87% 2022
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Average

In 2022, the financial autonomy of SAMUEL GRELIER ASSURANCES... (17.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
9.48 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Watch

In 2022, the repayment capacity of SAMUEL GRELIER ASSURANCES... (9.48) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 322.88. 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 5.6x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2022) ?
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

322.881

Interest coverage (2022) ?
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

5.592

Liquidity indicators evolution
SAMUEL GRELIER ASSURANCES ET PATRIMOINE

Sector positioning

Liquidity ratio
322.88 2022
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Good

In 2022, the liquidity ratio of SAMUEL GRELIER ASSURANCES... (322.88) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
5.59x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of SAMUEL GRELIER ASSURANCES... (5.6x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. The company must finance 4 days of gap between collections and payments. Overall, WCR represents 10 days of revenue, i.e. 8 k€ to permanently finance.

Operating WCR (2022) ?
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

7 506 €

Customer credit (2022) ?
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

24 j

Supplier credit (2022) ?
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

20 j

Inventory turnover (2022) ?
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 (2022) ?
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

10 j

WCR and payment terms evolution
SAMUEL GRELIER ASSURANCES ET PATRIMOINE

Positioning of SAMUEL GRELIER ASSURANCES ET PATRIMOINE 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 SAMUEL GRELIER ASSURANCES ET PATRIMOINE is estimated at 118 573 € (range 35 202€ - 340 403€). With an EBITDA of 42 149€, 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 2022
193 transactions
35k€ 118k€ 340k€
118 573 € Range: 35 202€ - 340 403€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
42 149 € × 1.2x
Estimation 51 028 €
13 180€ - 260 461€
Revenue Multiple 30%
269 230 € × 0.98x
Estimation 264 499 €
73 760€ - 491 923€
Net Income Multiple 20%
34 058 € × 2.0x
Estimation 68 547 €
32 424€ - 312 981€
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 SAMUEL GRELIER ASSURANCES ET PATRIMOINE with other companies in the same sector:

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

Frequently asked questions about SAMUEL GRELIER ASSURANCES ET PATRIMOINE

What is the revenue of SAMUEL GRELIER ASSURANCES ET PATRIMOINE ?

The revenue of SAMUEL GRELIER ASSURANCES ET PATRIMOINE in 2022 is 269 k€.

Is SAMUEL GRELIER ASSURANCES ET PATRIMOINE profitable?

Yes, SAMUEL GRELIER ASSURANCES ET PATRIMOINE generated a net profit of 34 k€ in 2022.

Where is the headquarters of SAMUEL GRELIER ASSURANCES ET PATRIMOINE ?

The headquarters of SAMUEL GRELIER ASSURANCES ET PATRIMOINE is located in VANNES (56000), in the department Morbihan.

Where to find the tax return of SAMUEL GRELIER ASSURANCES ET PATRIMOINE ?

The tax return of SAMUEL GRELIER ASSURANCES ET PATRIMOINE 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 SAMUEL GRELIER ASSURANCES ET PATRIMOINE operate?

SAMUEL GRELIER ASSURANCES ET PATRIMOINE 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.