TRIFOLIUM ASSURANCES : revenue, balance sheet and financial ratios

TRIFOLIUM ASSURANCES is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MELUN (77000), this company of category PME shows in 2021 a revenue of 56 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - TRIFOLIUM ASSURANCES (SIREN 534813761)
Indicator 2021 2020 2019
Revenue 56 341 € 49 603 € 53 614 €
Net income 5 740 € 2 476 € 6 033 €
EBITDA 7 581 € 2 468 € 7 007 €
Net margin 10.2% 5.0% 11.3%

Revenue and income statement

En 2021, TRIFOLIUM ASSURANCES alcanza unos ingresos de 56 k€. Los ingresos crecen positivamente durante 3 años (TCAC: +2.5%). Vs 2020, crecimiento de +14% (50 k€ -> 56 k€). Tras deducir el consumo (0 €), el margen bruto se sitúa en 56 k€, es decir, una tasa del 100%. El EBITDA alcanza 8 k€, representando el 13.5% de los ingresos. Efecto tijera positivo: el margen EBITDA mejora en +8.5 puntos. Este nivel de margen operativo es satisfactorio para el sector. El resultado neto asciende a 6 k€, es decir, el 10.2% de los ingresos.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

56 341 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

56 341 €

EBITDA (2021) ?
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

7 581 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

7 189 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

5 740 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

13.5%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 0%. Este nivel muy bajo refleja una estructura financiera sólida. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 0%. Baja autonomía: la empresa depende fuertemente de financiación externa. El flujo de caja representa el 10.9% de los ingresos. Este alto nivel proporciona una fuerte capacidad de autofinanciación.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2021) ?
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

0.0%

Cash flow / Revenue (2021) ?
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

10.882%

Repayment capacity (2021) ?
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

Asset age ratio (2021) ?
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

43.5%

Solvency indicators evolution
TRIFOLIUM ASSURANCES

Sector positioning

Ratio de endeudamiento
0.0 2021
2019
2020
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Excelente

En 2021, el ratio de endeudamiento de TRIFOLIUM ASSURANCES (0.00) se sitúa en el 25% más bajo del sector, lo cual es positivo. Este ratio mide el peso de la deuda en relación con el patrimonio. Un ratio bajo indica una estructura financiera sólida con poca dependencia de los acreedores.

Autonomía financiera
0.0% 2021
2019
2020
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Average

En 2021, el autonomía financiera de TRIFOLIUM ASSURANCES (0.0%) se sitúa por debajo de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Una mejora fortalecería la posición competitiva.

Capacidad de reembolso
0.0 ans 2021
2019
2020
2021
Q1: 0.0 ans
Med: 0.16 ans
Q3: 2.52 ans
Excelente

En 2021, el capacidad de reembolso de TRIFOLIUM ASSURANCES (0.0 an) se sitúa en el 25% más bajo del sector, lo cual es positivo. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Una capacidad corta refleja deuda controlada y buena generación de efectivo.

Liquidity ratios

El ratio de liquidez se sitúa en 714.66. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo.

Liquidity ratio (2021) ?
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

714.659

Interest coverage (2021) ?
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
TRIFOLIUM ASSURANCES

Sector positioning

Ratio de liquidez
714.66 2021
2019
2020
2021
Q1: 120.97
Med: 222.61
Q3: 474.51
Excelente

En 2021, el ratio de liquidez de TRIFOLIUM ASSURANCES (714.66) se sitúa en el top 25% del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Un ratio superior a 1 asegura cobertura cómoda de vencimientos a corto plazo.

Cobertura de intereses
0.0x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Average

En 2021, el cobertura de intereses de TRIFOLIUM ASSURANCES (0.0x) se sitúa por debajo de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Una mejora fortalecería la posición competitiva.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 0 días. Plazo proveedores: 5 días. Situación favorable. El FM es negativo (-17 días): las operaciones generan estructuralmente tesorería. Notable mejora del FM durante el período (-181%), liberando tesorería.

Operating WCR (2021) ?
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

-2 692 €

Customer credit (2021) ?
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 (2021) ?
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

5 j

Inventory turnover (2021) ?
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 (2021) ?
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

-17 j

WCR and payment terms evolution
TRIFOLIUM ASSURANCES

Positioning of TRIFOLIUM 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 (44 transactions). This range of 8 865€ to 43 135€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
8k€ 30k€ 43k€
30 489 € Range: 8 865€ - 43 135€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 TRIFOLIUM 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 TRIFOLIUM ASSURANCES

What is the revenue of TRIFOLIUM ASSURANCES ?

The revenue of TRIFOLIUM ASSURANCES in 2021 is 56 k€.

Is TRIFOLIUM ASSURANCES profitable?

Yes, TRIFOLIUM ASSURANCES generated a net profit of 6 k€ in 2021.

Where is the headquarters of TRIFOLIUM ASSURANCES ?

The headquarters of TRIFOLIUM ASSURANCES is located in MELUN (77000), in the department Seine-et-Marne.

Where to find the tax return of TRIFOLIUM ASSURANCES ?

The tax return of TRIFOLIUM 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 TRIFOLIUM ASSURANCES operate?

TRIFOLIUM 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.