VIALLON YVAN PLACEMENT FINANCE : revenue, balance sheet and financial ratios

VIALLON YVAN PLACEMENT FINANCE is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69002), this company of category PME shows in 2024 a revenue of 2.8 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - VIALLON YVAN PLACEMENT FINANCE (SIREN 493638944)
Indicator 2024 2023 2022 2020 2019 2018 2017 2016
Revenue 2 798 156 € 2 294 913 € 1 568 724 € 1 206 996 € 1 377 270 € 1 335 431 € 1 083 184 € 987 951 €
Net income 879 298 € 487 896 € 468 322 € 367 617 € 293 243 € 202 341 € 268 413 € 209 127 €
EBITDA 1 138 157 € 605 251 € 238 859 € 193 346 € 343 170 € 329 992 € 339 442 € 273 210 €
Net margin 31.4% 21.3% 29.9% 30.5% 21.3% 15.2% 24.8% 21.2%

Revenue and income statement

In 2024, VIALLON YVAN PLACEMENT FINANCE achieves revenue of 2.8 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.9%. Vs 2023, growth of +22% (2.3 M€ -> 2.8 M€). After deducting consumption (0 €), gross margin stands at 2.8 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 1.1 M€, representing 40.7% of revenue. Positive scissor effect: EBITDA margin improves by +14.3 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 879 k€, i.e. 31.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 798 156 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 798 156 €

EBITDA (2024) ?
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

1 138 157 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 129 447 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

879 298 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

40.7%

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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 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 73%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 31.7% 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 (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

16.377%

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

73.275%

Cash flow / Revenue (2024) ?
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

31.727%

Repayment capacity (2024) ?
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

0.577

Asset age ratio (2024) ?
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

13.6%

Solvency indicators evolution
VIALLON YVAN PLACEMENT FINANCE

Sector positioning

Debt ratio
16.38 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average -14 pts over 3 years

In 2024, the debt ratio of VIALLON YVAN PLACEMENT FI... (16.38) 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
73.28% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good +15 pts over 3 years

In 2024, the financial autonomy of VIALLON YVAN PLACEMENT FI... (73.3%) 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.

Repayment capacity
0.58 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -18 pts over 3 years

In 2024, the repayment capacity of VIALLON YVAN PLACEMENT FI... (0.58) 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 306.16. 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 2.1x. Financial charges are adequately covered by operations.

Liquidity ratio (2024) ?
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

306.157

Interest coverage (2024) ?
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

2.085

Liquidity indicators evolution
VIALLON YVAN PLACEMENT FINANCE

Sector positioning

Liquidity ratio
306.16 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +22 pts over 3 years

In 2024, the liquidity ratio of VIALLON YVAN PLACEMENT FI... (306.16) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
2.08x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good

In 2024, the interest coverage of VIALLON YVAN PLACEMENT FI... (2.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 72 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 104 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Overall, WCR represents 81 days of revenue, i.e. 626 k€ to permanently finance. Over 2016-2024, WCR increased by +228%, requiring additional financing.

Operating WCR (2024) ?
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

626 283 €

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

72 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

104 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 in days of revenue (2024) ?
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

81 j

WCR and payment terms evolution
VIALLON YVAN PLACEMENT FINANCE

Positioning of VIALLON YVAN PLACEMENT FINANCE 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 VIALLON YVAN PLACEMENT FINANCE is estimated at 1 867 600 € (range 575 354€ - 6 666 514€). With an EBITDA of 1 138 157€, 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 2024
193 transactions
575k€ 1867k€ 6666k€
1 867 600 € Range: 575 354€ - 6 666 514€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 138 157 € × 1.2x
Estimation 1 377 914 €
355 901€ - 7 033 272€
Revenue Multiple 30%
2 798 156 € × 0.98x
Estimation 2 748 987 €
766 601€ - 5 112 640€
Net Income Multiple 20%
879 298 € × 2.0x
Estimation 1 769 736 €
837 119€ - 8 080 434€

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 VIALLON YVAN PLACEMENT FINANCE with other companies in the same sector:

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

Frequently asked questions about VIALLON YVAN PLACEMENT FINANCE

What is the revenue of VIALLON YVAN PLACEMENT FINANCE ?

The revenue of VIALLON YVAN PLACEMENT FINANCE in 2024 is 2.8 M€.

Is VIALLON YVAN PLACEMENT FINANCE profitable?

Yes, VIALLON YVAN PLACEMENT FINANCE generated a net profit of 879 k€ in 2024.

Where is the headquarters of VIALLON YVAN PLACEMENT FINANCE ?

The headquarters of VIALLON YVAN PLACEMENT FINANCE is located in LYON (69002), in the department Rhone.

Where to find the tax return of VIALLON YVAN PLACEMENT FINANCE ?

The tax return of VIALLON YVAN PLACEMENT FINANCE 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 VIALLON YVAN PLACEMENT FINANCE operate?

VIALLON YVAN PLACEMENT FINANCE 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.