SERVICE CONSEIL EN ASSURANCE : revenue, balance sheet and financial ratios

SERVICE CONSEIL EN ASSURANCE is a French company founded 39 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARSEILLE (13006), this company of category PME shows in 2023 a revenue of 544 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 - SERVICE CONSEIL EN ASSURANCE (SIREN 339900292)
Indicator 2023 2022 2016 2015 2014
Revenue 543 579 € 442 534 € 598 984 € 616 703 € 615 152 €
Net income 54 683 € 20 715 € 161 675 € 183 589 € 43 531 €
EBITDA 100 789 € 29 465 € 189 662 € 254 922 € 49 406 €
Net margin 10.1% 4.7% 27.0% 29.8% 7.1%

Revenue and income statement

In 2023, SERVICE CONSEIL EN ASSURANCE achieves revenue of 544 k€. Activity remains stable over the period (CAGR: -1.4%). Vs 2022, growth of +23% (443 k€ -> 544 k€). After deducting consumption (0 €), gross margin stands at 544 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 101 k€, representing 18.5% of revenue. Positive scissor effect: EBITDA margin improves by +11.9 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 55 k€, i.e. 10.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

543 579 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

543 579 €

EBITDA (2023) ?
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

100 789 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

71 725 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

54 683 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

18.5%

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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 51%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 56%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 15.4% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

51.193%

Financial autonomy (2023) ?
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

56.127%

Cash flow / Revenue (2023) ?
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

15.407%

Repayment capacity (2023) ?
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

4.035

Asset age ratio (2023) ?
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

25.2%

Solvency indicators evolution
SERVICE CONSEIL EN ASSURANCE

Sector positioning

Debt ratio
51.19 2023
2016
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average +48 pts over 3 years

In 2023, the debt ratio of SERVICE CONSEIL EN ASSURANCE (51.19) 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
56.13% 2023
2016
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Good -13 pts over 3 years

In 2023, the financial autonomy of SERVICE CONSEIL EN ASSURANCE (56.1%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
4.04 years 2023
2016
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average +25 pts over 3 years

In 2023, the repayment capacity of SERVICE CONSEIL EN ASSURANCE (4.04) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 117.16. 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 1.3x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2023) ?
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

117.155

Interest coverage (2023) ?
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

1.325

Liquidity indicators evolution
SERVICE CONSEIL EN ASSURANCE

Sector positioning

Liquidity ratio
117.16 2023
2016
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Watch -15 pts over 3 years

In 2023, the liquidity ratio of SERVICE CONSEIL EN ASSURANCE (117.16) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
1.32x 2023
2016
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good +42 pts over 3 years

In 2023, the interest coverage of SERVICE CONSEIL EN ASSURANCE (1.3x) 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.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 49 days. Excellent situation: suppliers finance 49 days of the operating cycle (retail model). WCR is negative (-54 days): operations structurally generate cash. Notable WCR improvement over the period (-194%), freeing up cash.

Operating WCR (2023) ?
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

-80 890 €

Customer credit (2023) ?
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 (2023) ?
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

49 j

Inventory turnover (2023) ?
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 (2023) ?
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

-54 j

WCR and payment terms evolution
SERVICE CONSEIL EN ASSURANCE

Positioning of SERVICE CONSEIL EN ASSURANCE 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 SERVICE CONSEIL EN ASSURANCE is estimated at 243 230 € (range 70 847€ - 709 877€). With an EBITDA of 100 789€, 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 2023
193 transactions
70k€ 243k€ 709k€
243 230 € Range: 70 847€ - 709 877€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
100 789 € × 1.2x
Estimation 122 021 €
31 517€ - 622 828€
Revenue Multiple 30%
543 579 € × 0.98x
Estimation 534 027 €
148 923€ - 993 198€
Net Income Multiple 20%
54 683 € × 2.0x
Estimation 110 059 €
52 060€ - 502 517€

Valuation evolution

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 SERVICE CONSEIL EN ASSURANCE with other companies in the same sector:

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

Frequently asked questions about SERVICE CONSEIL EN ASSURANCE

What is the revenue of SERVICE CONSEIL EN ASSURANCE ?

The revenue of SERVICE CONSEIL EN ASSURANCE in 2023 is 544 k€.

Is SERVICE CONSEIL EN ASSURANCE profitable?

Yes, SERVICE CONSEIL EN ASSURANCE generated a net profit of 55 k€ in 2023.

Where is the headquarters of SERVICE CONSEIL EN ASSURANCE ?

The headquarters of SERVICE CONSEIL EN ASSURANCE is located in MARSEILLE (13006), in the department Bouches-du-Rhone.

Where to find the tax return of SERVICE CONSEIL EN ASSURANCE ?

The tax return of SERVICE CONSEIL EN ASSURANCE 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 SERVICE CONSEIL EN ASSURANCE operate?

SERVICE CONSEIL EN ASSURANCE 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.