VERNIERE DELMAS DECEUNINCK ASSURANCES is a French company
founded 22 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in MONTPELLIER (34000),
this company of category PME
shows in 2021 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - VERNIERE DELMAS DECEUNINCK ASSURANCES (SIREN 451411342)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
1 001 118 €
1 051 069 €
1 030 765 €
977 461 €
1 011 429 €
1 009 332 €
Net income
141 985 €
159 223 €
161 629 €
96 472 €
115 805 €
68 054 €
41 598 €
75 010 €
81 357 €
EBITDA
N/C
N/C
N/C
117 551 €
138 348 €
80 312 €
60 340 €
82 702 €
93 512 €
Net margin
N/C
N/C
N/C
9.6%
11.0%
6.6%
4.3%
7.4%
8.1%
Revenue and income statement
In 2024, VERNIERE DELMAS DECEUNINCK ASSURANCES generates positive net income of 142 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 81 k€ -> 142 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
141 985 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 16%. 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 75%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
15.97%
Financial autonomy (2024)
?
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
75.414%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
7.869
1.805
12.388
18.136
8.366
6.085
13.031
6.179
15.97
Financial autonomy
77.465
82.717
74.86
68.525
75.806
77.905
76.271
77.62
75.414
Repayment capacity
0.002
0.19
0.047
2.426
0.676
0.57
None
None
None
Cash flow / Revenue
8.87%
7.205%
6.289%
6.903%
11.77%
10.693%
None%
None%
None%
Sector positioning
Debt ratio
15.972024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average
In 2024, the debt ratio of VERNIERE DELMAS DECEUNINC... (15.97) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
Financial autonomy
75.41%2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good
In 2024, the financial autonomy of VERNIERE DELMAS DECEUNINC... (75.4%) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 123.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
151.642
194.476
135.879
221.29
149.724
140.569
206.938
203.036
123.968
Interest coverage
0.0
0.0
0.0
0.218
0.533
0.424
None
None
None
Sector positioning
Liquidity ratio
123.972024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average-19 pts over 3 years
In 2024, the liquidity ratio of VERNIERE DELMAS DECEUNINC... (123.97) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. 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.
Operating WCR (2024)
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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
0 €
Customer credit (2024)
?
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 (2024)
?
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
0 j
Inventory turnover (2024)
?
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 and payment terms evolution VERNIERE DELMAS DECEUNINCK ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
115 306 €
-29 574 €
138 526 €
150 770 €
44 092 €
87 828 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
6
0
0
0
Supplier payment term (days)
18
32
21
36
26
12
0
0
0
Positioning of VERNIERE DELMAS DECEUNINCK 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 VERNIERE DELMAS DECEUNINCK ASSURANCES is estimated at
285 768 €
(range 135 174€ - 1 304 791€).
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 value2024
193 transactions
135k€285k€1304k€
285 768 €Range: 135 174€ - 1 304 791€
NAF 5 all-time
Valuation method used
Net Income Multiple
141 985 €
×
2.0x
=285 769 €
Range: 135 174€ - 1 304 791€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 VERNIERE DELMAS DECEUNINCK ASSURANCES with other companies in the same sector:
Frequently asked questions about VERNIERE DELMAS DECEUNINCK ASSURANCES
What is the revenue of VERNIERE DELMAS DECEUNINCK ASSURANCES ?
The revenue of VERNIERE DELMAS DECEUNINCK ASSURANCES in 2021 is 1.0 M€.
Is VERNIERE DELMAS DECEUNINCK ASSURANCES profitable?
Yes, VERNIERE DELMAS DECEUNINCK ASSURANCES generated a net profit of 142 k€ in 2024.
Where is the headquarters of VERNIERE DELMAS DECEUNINCK ASSURANCES ?
The headquarters of VERNIERE DELMAS DECEUNINCK ASSURANCES is located in MONTPELLIER (34000), in the department Herault.
Where to find the tax return of VERNIERE DELMAS DECEUNINCK ASSURANCES ?
The tax return of VERNIERE DELMAS DECEUNINCK 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 VERNIERE DELMAS DECEUNINCK ASSURANCES operate?
VERNIERE DELMAS DECEUNINCK 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.
Item evolution
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