SIREN : 349499558
YVELIN SAS is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTPELLIER (34000), this company of category ETI shows in 2023 a revenue of 9.0 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 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 8 950 085 € | 8 419 418 € | 7 702 798 € | 7 853 004 € | 9 906 925 € | 8 821 623 € | 8 252 643 € | 7 606 923 € |
| Net income | 108 363 € | 30 875 € | 78 331 € | 297 660 € | 1 245 827 € | 725 367 € | 594 831 € | 502 313 € |
| EBITDA | 264 780 € | 391 237 € | 232 493 € | 771 992 € | 2 562 800 € | 1 510 758 € | 1 178 126 € | 927 182 € |
| Net margin | 1.2% | 0.4% | 1.0% | 3.8% | 12.6% | 8.2% | 7.2% | 6.6% |
In 2023, YVELIN SAS achieves revenue of 9.0 M€. Revenue is growing positively over 8 years (CAGR: +2.4%). Vs 2022: +6%. After deducting consumption (0 €), gross margin stands at 9.0 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 265 k€, representing 3.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 108 k€, i.e. 1.2% of revenue. This profit can be retained or distributed to shareholders.
8 950 085 €
8 950 085 €
264 780 €
26 669 €
108 363 €
2.9%
The debt ratio (= Financial debt / Equity x 100) stands at 88%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 3.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
88.153%
12.728%
3.868%
5.425
42.5%
In 2023, the debt ratio of YVELIN SAS (88.15) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of YVELIN SAS (12.7%) 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 YVELIN SAS (5.42) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 113.54. 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 4.9x. Financial charges are adequately covered by operations.
113.539
4.878
In 2023, the liquidity ratio of YVELIN SAS (113.54) 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 YVELIN SAS (4.9x) 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: 64 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1142 days. Excellent situation: suppliers finance 1078 days of the operating cycle (retail model). Overall, WCR represents 273 days of revenue, i.e. 6.8 M€ to permanently finance. Over 2016-2023, WCR increased by +125%, requiring additional financing.
6 789 355 €
64 j
1142 j
0 j
273 j
Based on 193 transactions of similar company sales (all years), the value of YVELIN SAS is estimated at 2 841 742 € (range 797 638€ - 5 923 204€). With an EBITDA of 264 780€, 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 YVELIN SAS with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of YVELIN SAS in 2023 is 9.0 M€.
Yes, YVELIN SAS generated a net profit of 108 k€ in 2023.
The headquarters of YVELIN SAS is located in MONTPELLIER (34000), in the department Herault.
The tax return of YVELIN SAS 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).
YVELIN SAS 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.