SIREN : 525355251
SPVIE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SURESNES (92150), this company of category ETI shows in 2023 a revenue of 40.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 40 361 396 € | 45 650 335 € | 50 998 187 € | 49 725 234 € | 23 736 292 € | 10 685 920 € | 5 026 002 € |
| Net income | -2 578 213 € | -16 273 421 € | 3 262 778 € | 3 476 581 € | 1 347 326 € | 477 776 € | -97 323 € |
| EBITDA | 4 618 826 € | 1 576 204 € | 5 132 598 € | 5 730 490 € | 2 640 551 € | 494 591 € | -26 498 € |
| Net margin | -6.4% | -35.6% | 6.4% | 7.0% | 5.7% | 4.5% | -1.9% |
In 2023, SPVIE achieves revenue of 40.4 M€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +41.5%. Significant drop of -12% vs 2022. After deducting consumption (0 €), gross margin stands at 40.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 4.6 M€, representing 11.4% of revenue. Positive scissor effect: EBITDA margin improves by +8.0 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Net income is negative at -2.6 M€ (-6.4% of revenue), which will impact equity.
40 361 396 €
40 361 396 €
4 618 826 €
-1 563 642 €
-2 578 213 €
11.4%
The debt ratio (= Financial debt / Equity x 100) stands at -231%. 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 -14%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
-230.695%
-13.917%
4.42%
10.773
55.0%
In 2023, the debt ratio of SPVIE (-230.69) 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.
In 2023, the financial autonomy of SPVIE (-13.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of SPVIE (10.77) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 109.51. 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 5.4x. Operating income very largely covers interest expenses: high safety margin.
109.514
5.386
In 2023, the liquidity ratio of SPVIE (109.51) 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.
In 2023, the interest coverage of SPVIE (5.4x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 97 days. Excellent situation: suppliers finance 90 days of the operating cycle (retail model). Overall, WCR represents 5 days of revenue, i.e. 578 k€ to permanently finance. Over 2017-2023, WCR increased by +422%, requiring additional financing.
578 379 €
7 j
97 j
0 j
5 j
Based on 193 transactions of similar company sales (all years), the value of SPVIE is estimated at 18 364 439 € (range 5 049 319€ - 45 493 661€). With an EBITDA of 4 618 826€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SPVIE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SPVIE in 2023 is 40.4 M€.
SPVIE recorded a net loss in 2023.
The headquarters of SPVIE is located in SURESNES (92150), in the department Hauts-de-Seine.
The tax return of SPVIE 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).
SPVIE 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.