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SARL BERTRAND COCHERIL ASSURANCES : revenue, balance sheet and financial ratios

SARL BERTRAND COCHERIL ASSURANCES is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LA ROCHE-SUR-YON (85000), this company of category PME shows in 2020 a net income positive of 29 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 - SARL BERTRAND COCHERIL ASSURANCES (SIREN 438929671)
Indicator 2020 2019 2018
Revenue N/C N/C N/C
Net income 28 642 € 20 320 € 874 €
EBITDA N/C N/C N/C
Net margin N/C N/C N/C

Revenue and income statement

In 2020, SARL BERTRAND COCHERIL ASSURANCES generates positive net income of 29 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2020: 874 € -> 29 k€.

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

28 642 €

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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 10%. 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 86%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

9.928%

Financial autonomy (2020) ?
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

86.188%

Asset age ratio (2020) ?
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

19.5%

Solvency indicators evolution
SARL BERTRAND COCHERIL ASSURANCES

Sector positioning

Debt ratio
9.93 2020
2018
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.1
Good -9 pts over 3 years

In 2020, the debt ratio of SARL BERTRAND COCHERIL AS... (9.93) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
86.19% 2020
2018
2019
2020
Q1: 17.11%
Med: 45.63%
Q3: 71.56%
Excellent

In 2020, the financial autonomy of SARL BERTRAND COCHERIL AS... (86.2%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 732.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

732.521

Liquidity indicators evolution
SARL BERTRAND COCHERIL ASSURANCES

Sector positioning

Liquidity ratio
732.52 2020
2018
2019
2020
Q1: 121.74
Med: 223.76
Q3: 459.53
Excellent

In 2020, the liquidity ratio of SARL BERTRAND COCHERIL AS... (732.52) 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.

Positioning of SARL BERTRAND COCHERIL 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 (20 transactions). This range of 83 372€ to 604 737€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
83k€ 253k€ 604k€
253 426 € Range: 83 372€ - 604 737€
NAF 5 année 2020

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 SARL BERTRAND COCHERIL 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 SARL BERTRAND COCHERIL ASSURANCES

What is the revenue of SARL BERTRAND COCHERIL ASSURANCES ?

The revenue of SARL BERTRAND COCHERIL ASSURANCES is not publicly disclosed (confidential accounts filed with INPI).

Is SARL BERTRAND COCHERIL ASSURANCES profitable?

Yes, SARL BERTRAND COCHERIL ASSURANCES generated a net profit of 29 k€ in 2020.

Where is the headquarters of SARL BERTRAND COCHERIL ASSURANCES ?

The headquarters of SARL BERTRAND COCHERIL ASSURANCES is located in LA ROCHE-SUR-YON (85000), in the department Vendee.

Where to find the tax return of SARL BERTRAND COCHERIL ASSURANCES ?

The tax return of SARL BERTRAND COCHERIL 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 SARL BERTRAND COCHERIL ASSURANCES operate?

SARL BERTRAND COCHERIL 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.