VANVERT ET AUMAITRE ASSURANCES : revenue, balance sheet and financial ratios

VANVERT ET AUMAITRE ASSURANCES is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TONNERRE (89700), this company of category PME shows in 2023 a revenue of 1.4 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

Financial history - VANVERT ET AUMAITRE ASSURANCES (SIREN 479932907)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 394 213 € 1 362 606 € 1 379 801 € 1 388 576 € 1 329 370 € 1 284 858 € 1 228 637 € N/C
Net income 203 772 € 261 356 € 271 074 € 254 067 € 208 834 € 212 147 € 198 359 € 267 991 €
EBITDA 287 962 € 353 036 € 371 216 € 428 427 € 340 011 € 360 605 € 310 106 € N/C
Net margin 14.6% 19.2% 19.6% 18.3% 15.7% 16.5% 16.1% N/C

Revenue and income statement

In 2023, VANVERT ET AUMAITRE ASSURANCES achieves revenue of 1.4 M€. Revenue is growing positively over 8 years (CAGR: +2.1%). Vs 2022: +2%. After deducting consumption (0 €), gross margin stands at 1.4 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 288 k€, representing 20.7% of revenue. Warning negative scissor effect: despite revenue change (+2%), EBITDA varies by -18%, reducing margin by 5.3 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 204 k€, i.e. 14.6% 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

1 394 213 €

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

1 394 213 €

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

287 962 €

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

268 216 €

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

203 772 €

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

20.7%

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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 4%. 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 89%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 14.7% 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

3.71%

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

89.156%

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

14.669%

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

0.236

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

28.5%

Solvency indicators evolution
VANVERT ET AUMAITRE ASSURANCES

Sector positioning

Debt ratio
3.71 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Good +6 pts over 3 years

In 2023, the debt ratio of VANVERT ET AUMAITRE ASSUR... (3.71) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
89.16% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Excellent

In 2023, the financial autonomy of VANVERT ET AUMAITRE ASSUR... (89.2%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.24 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of VANVERT ET AUMAITRE ASSUR... (0.24) 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 780.00. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

780.0

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

0.0

Liquidity indicators evolution
VANVERT ET AUMAITRE ASSURANCES

Sector positioning

Liquidity ratio
780.0 2023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Excellent

In 2023, the liquidity ratio of VANVERT ET AUMAITRE ASSUR... (780.00) 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.

Interest coverage
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average -46 pts over 3 years

In 2023, the interest coverage of VANVERT ET AUMAITRE ASSUR... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 17 days. Favorable situation: supplier credit is longer than customer credit by 17 days. Overall, WCR represents 25 days of revenue, i.e. 96 k€ to permanently finance.

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

96 424 €

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

17 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

25 j

WCR and payment terms evolution
VANVERT ET AUMAITRE ASSURANCES

Positioning of VANVERT ET AUMAITRE ASSURANCES 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 VANVERT ET AUMAITRE ASSURANCES is estimated at 667 250 € (range 198 412€ - 2 028 482€). With an EBITDA of 287 962€, 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
198k€ 667k€ 2028k€
667 250 € Range: 198 412€ - 2 028 482€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
287 962 € × 1.2x
Estimation 348 622 €
90 046€ - 1 779 469€
Revenue Multiple 30%
1 394 213 € × 0.98x
Estimation 1 369 714 €
381 968€ - 2 547 431€
Net Income Multiple 20%
203 772 € × 2.0x
Estimation 410 126 €
193 997€ - 1 872 592€

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 VANVERT ET AUMAITRE 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 VANVERT ET AUMAITRE ASSURANCES

What is the revenue of VANVERT ET AUMAITRE ASSURANCES ?

The revenue of VANVERT ET AUMAITRE ASSURANCES in 2023 is 1.4 M€.

Is VANVERT ET AUMAITRE ASSURANCES profitable?

Yes, VANVERT ET AUMAITRE ASSURANCES generated a net profit of 204 k€ in 2023.

Where is the headquarters of VANVERT ET AUMAITRE ASSURANCES ?

The headquarters of VANVERT ET AUMAITRE ASSURANCES is located in TONNERRE (89700), in the department Yonne.

Where to find the tax return of VANVERT ET AUMAITRE ASSURANCES ?

The tax return of VANVERT ET AUMAITRE 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 VANVERT ET AUMAITRE ASSURANCES operate?

VANVERT ET AUMAITRE 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.