SIREN : 752220251
VALORIA CAPITAL is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category PME shows in 2023 a revenue of 8.8 M€. 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
| Indicator | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 8 835 900 € | 3 402 943 € | 2 322 626 € | 2 469 983 € | 1 955 874 € | 1 732 207 € | 697 637 € |
| Net income | 2 094 296 € | 317 902 € | 743 772 € | 847 872 € | 592 205 € | 492 712 € | 154 991 € |
| EBITDA | 4 135 941 € | 1 653 051 € | 897 251 € | 1 010 556 € | 659 669 € | 652 371 € | 22 905 € |
| Net margin | 23.7% | 9.3% | 32.0% | 34.3% | 30.3% | 28.4% | 22.2% |
In 2023, VALORIA CAPITAL achieves revenue of 8.8 M€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +43.7%. Vs 2022, growth of +160% (3.4 M€ -> 8.8 M€). After deducting consumption (0 €), gross margin stands at 8.8 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 4.1 M€, representing 46.8% of 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 2.1 M€, i.e. 23.7% of revenue. This profit can be retained or distributed to shareholders.
8 835 900 €
8 835 900 €
4 135 941 €
4 079 102 €
2 094 296 €
46.8%
The debt ratio (= Financial debt / Equity x 100) stands at 727%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 20.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 27.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
727.483%
11.327%
27.134%
20.536
83.4%
In 2023, the debt ratio of VALORIA CAPITAL (727.48) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2023, the financial autonomy of VALORIA CAPITAL (11.3%) 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 VALORIA CAPITAL (20.54) 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 113.19. 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 21.4x. Operating income very largely covers interest expenses: high safety margin.
113.189
21.374
In 2023, the liquidity ratio of VALORIA CAPITAL (113.19) 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 VALORIA CAPITAL (21.4x) 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: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 472 days. Excellent situation: suppliers finance 439 days of the operating cycle (retail model). Overall, WCR represents 97 days of revenue, i.e. 2.4 M€ to permanently finance. Over 2016-2023, WCR increased by +648%, requiring additional financing.
2 376 945 €
33 j
472 j
0 j
97 j
Based on 193 transactions of similar company sales (all years), the value of VALORIA CAPITAL is estimated at 5 950 812 € (range 1 771 643€ - 21 471 588€). With an EBITDA of 4 135 941€, 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 VALORIA CAPITAL with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of VALORIA CAPITAL in 2023 is 8.8 M€.
Yes, VALORIA CAPITAL generated a net profit of 2.1 M€ in 2023.
The headquarters of VALORIA CAPITAL is located in PARIS (75017), in the department Paris.
The tax return of VALORIA CAPITAL 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).
VALORIA CAPITAL 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.