SIREN : 538923848
VALORAMA is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75001), this company of category ETI shows in 2024 a revenue of 10.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 10 323 064 € | 9 657 478 € | 10 158 917 € | 3 329 061 € |
| Net income | 4 163 588 € | 3 769 874 € | 4 227 779 € | 1 943 141 € |
| EBITDA | 5 569 470 € | 5 460 794 € | 5 707 609 € | 2 656 773 € |
| Net margin | 40.3% | 39.0% | 41.6% | 58.4% |
In 2024, VALORAMA achieves revenue of 10.3 M€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +45.8%. Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 10.3 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 5.6 M€, representing 54.0% of revenue. Warning negative scissor effect: despite revenue change (+7%), EBITDA varies by +2%, reducing margin by 2.6 pts. This reflects costs rising faster than 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 4.2 M€, i.e. 40.3% of revenue. This profit can be retained or distributed to shareholders.
10 323 064 €
10 323 064 €
5 569 470 €
5 567 499 €
4 163 588 €
54.0%
The debt ratio (= Financial debt / Equity x 100) stands at 98%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 49%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 40.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
98.359%
48.715%
40.189%
1.227
10.9%
In 2024, the debt ratio of VALORAMA (98.36) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of VALORAMA (48.7%) 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.
In 2024, the repayment capacity of VALORAMA (1.23) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 2950.56. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
2950.561
0.006
In 2024, the liquidity ratio of VALORAMA (2950.56) 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.
In 2024, the interest coverage of VALORAMA (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 17 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 4 days. The company must finance 13 days of gap between collections and payments. Overall, WCR represents 359 days of revenue, i.e. 10.3 M€ to permanently finance. Over 2021-2024, WCR increased by +582%, requiring additional financing.
10 288 172 €
17 j
4 j
0 j
359 j
Based on 193 transactions of similar company sales (all years), the value of VALORAMA is estimated at 8 089 835 € (range 2 512 011€ - 30 519 244€). With an EBITDA of 5 569 470€, 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 VALORAMA with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of VALORAMA in 2024 is 10.3 M€.
Yes, VALORAMA generated a net profit of 4.2 M€ in 2024.
The headquarters of VALORAMA is located in PARIS (75001), in the department Paris.
The tax return of VALORAMA 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).
VALORAMA 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.