VERSPIEREN GLOBAL MARKETS : revenue, balance sheet and financial ratios

VERSPIEREN GLOBAL MARKETS is a French company founded 41 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category ETI shows in 2023 a revenue of 6.7 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - VERSPIEREN GLOBAL MARKETS (SIREN 330631748)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 6 736 960 € 8 693 549 € 11 320 249 € 10 915 861 € 9 924 402 € 9 657 229 € 7 868 177 € 6 850 708 € N/C
Net income 140 005 € 969 020 € 840 988 € 1 277 882 € 1 165 030 € 1 067 980 € 894 522 € 790 024 € 516 950 €
EBITDA 72 166 € 1 253 466 € 1 564 141 € 1 950 193 € 1 524 788 € 1 219 186 € 1 154 810 € 1 114 748 € N/C
Net margin 2.1% 11.1% 7.4% 11.7% 11.7% 11.1% 11.4% 11.5% N/C

Revenue and income statement

In 2023, VERSPIEREN GLOBAL MARKETS achieves revenue of 6.7 M€. Activity remains stable over the period (CAGR: -0.2%). Significant drop of -23% vs 2022. After deducting consumption (0 €), gross margin stands at 6.7 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 72 k€, representing 1.1% of revenue. Warning negative scissor effect: despite revenue change (-23%), EBITDA varies by -94%, reducing margin by 13.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 140 k€, i.e. 2.1% 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

6 736 960 €

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

6 736 960 €

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

72 166 €

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

95 303 €

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

140 005 €

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

1.1%

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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 143%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 8%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 12.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

143.448%

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

8.27%

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

1.8%

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

12.01

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

32.7%

Solvency indicators evolution
VERSPIEREN GLOBAL MARKETS

Sector positioning

Debt ratio
143.45 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average +50 pts over 3 years

In 2023, the debt ratio of VERSPIEREN GLOBAL MARKETS (143.45) 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
8.27% 2023
2021
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average

In 2023, the financial autonomy of VERSPIEREN GLOBAL MARKETS (8.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
12.01 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Watch +50 pts over 3 years

In 2023, the repayment capacity of VERSPIEREN GLOBAL MARKETS (12.01) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 124.78. 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 66.1x. Operating income very largely covers interest expenses: high safety margin.

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

124.779

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

66.098

Liquidity indicators evolution
VERSPIEREN GLOBAL MARKETS

Sector positioning

Liquidity ratio
124.78 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Average

In 2023, the liquidity ratio of VERSPIEREN GLOBAL MARKETS (124.78) 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.

Interest coverage
66.1x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent

In 2023, the interest coverage of VERSPIEREN GLOBAL MARKETS (66.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 340 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 590 days. Excellent situation: suppliers finance 250 days of the operating cycle (retail model). Overall, WCR represents 597 days of revenue, i.e. 11.2 M€ 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

11 168 937 €

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

340 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

590 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

597 j

WCR and payment terms evolution
VERSPIEREN GLOBAL MARKETS

Positioning of VERSPIEREN GLOBAL MARKETS 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 VERSPIEREN GLOBAL MARKETS is estimated at 2 085 614 € (range 591 651€ - 4 173 118€). With an EBITDA of 72 166€, 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
591k€ 2085k€ 4173k€
2 085 614 € Range: 591 651€ - 4 173 118€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
72 166 € × 1.2x
Estimation 87 368 €
22 566€ - 445 952€
Revenue Multiple 30%
6 736 960 € × 0.98x
Estimation 6 618 579 €
1 845 702€ - 12 309 410€
Net Income Multiple 20%
140 005 € × 2.0x
Estimation 281 784 €
133 289€ - 1 286 596€

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 VERSPIEREN GLOBAL MARKETS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about VERSPIEREN GLOBAL MARKETS

What is the revenue of VERSPIEREN GLOBAL MARKETS ?

The revenue of VERSPIEREN GLOBAL MARKETS in 2023 is 6.7 M€.

Is VERSPIEREN GLOBAL MARKETS profitable?

Yes, VERSPIEREN GLOBAL MARKETS generated a net profit of 140 k€ in 2023.

Where is the headquarters of VERSPIEREN GLOBAL MARKETS ?

The headquarters of VERSPIEREN GLOBAL MARKETS is located in PARIS (75009), in the department Paris.

Where to find the tax return of VERSPIEREN GLOBAL MARKETS ?

The tax return of VERSPIEREN GLOBAL MARKETS 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 VERSPIEREN GLOBAL MARKETS operate?

VERSPIEREN GLOBAL MARKETS 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.