Empleados: 12 (2023.0)Categoría jurídica: Société à responsabilité limitée (sans autre indication)Tamaño: PMEFecha de creación: 2012-11-05 (13 años)Estado: ActivaSector de actividad: Activités des agents et courtiers d'assurancesUbicación: LYON (69005), Rhone
HERVE CLAVEL ASSURANCES : revenue, balance sheet and financial ratios
HERVE CLAVEL ASSURANCES is a French company
founded 13 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LYON (69005),
this company of category PME
shows in 2024 a revenue of 6.2 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, HERVE CLAVEL ASSURANCES achieves revenue of 6.2 M€. Over the period 2014-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.4%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 6.2 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 1.2 M€, representing 18.8% of revenue. Positive scissor effect: EBITDA margin improves by +4.6 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 887 k€, i.e. 14.3% of revenue. This profit can be retained or distributed to shareholders.
Ingresos (2024)
?
Ingresos
Definición
Importe total de las ventas de bienes y servicios realizadas por la empresa.
Fórmula
Ventas de mercancías + Producción vendida
6 194 441 €
Margen bruto (2024)
?
Margen bruto
Definición
Diferencia entre los ingresos y el coste de las mercancías vendidas.
Fórmula
Ingresos - Compras consumidas
6 194 441 €
EBITDA (2024)
?
EBITDA (Excedente bruto de explotación)
Definición
Ressource générée par l'activité courante, avant amortissements et charges financières.
Fórmula
Valor añadido - Gastos de personal - Impuestos
Interpretación
Positivo = actividad rentable
1 167 546 €
EBIT (2024)
?
EBIT (Resultado de explotación)
Definición
Resultado operativo, incluyendo amortizaciones y provisiones.
Fórmula
EBITDA - Amortizaciones y provisiones + Reversiones
886 341 €
Resultado neto (2024)
?
Resultado neto
Definición
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Fórmula
Resultado corriente + Resultado excepcional - Impuesto sobre beneficios
Le compte de résultat détaillé n'est pas disponible pour cette entreprise (liasse simplifiée ou données confidentielles).
Évolution graphique
Mostrar :
Visualización creada con numbers.finance Sources : INPI & BCE - Ajustes : Ministère de l'Économie
Activo
Chargement des données...
Poste
Bruto
Amort.
Neto
%
Evolución
Données de bilan actif non disponibles pour cette entreprise
Pasivo
Chargement des données...
Poste
Ejercicio
%
Evolución
Données de bilan passif non disponibles pour cette entreprise
Ratios de solvencia y endeudamiento
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 70%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 16.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
Ratio de endeudamiento (2024)
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Ratio de endeudamiento
Definición
Mide la proporción de deuda respecto a los fondos propios.
Fórmula
(Deuda financiera / Fondos propios) x 100
Interpretación
< 50% : Faible 50-100% : Moderado > 100% : Alto
0.0%
Autonomía financiera (2024)
?
Autonomía financiera
Definición
Porcentaje de fondos propios en la financiación total.
Evolución de indicadores de solvencia HERVE CLAVEL ASSURANCES
Visualización creada con numbers.finance Sources : INPI & BCE - Ajustes : Ministère de l'Économie
Indicador
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Ratio de endeudamiento
4.36
0.0
0.243
2.118
7.545
22.94
23.131
23.133
10.246
5.487
0.0
Autonomía financiera
74.178
74.937
73.029
69.733
67.118
60.422
58.123
58.984
68.03
68.756
70.449
Capacidad de reembolso
1.021
0.0
0.042
0.7
1.74
3.15
2.612
1.837
1.166
0.438
0.0
Flujo de caja / Ingresos
6.78%
7.219%
8.147%
3.796%
5.049%
8.053%
9.307%
11.77%
8.598%
12.159%
16.46%
Positionnement sectoriel
Debt ratio
0.02024
2022
2023
2024
Q1: 0.0
Méd: 7.61
Q3: 47.45
Excellent-20 pts durante 3 años
In 2024, the debt ratio of HERVE CLAVEL ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
Financial autonomy
70.45%2024
2022
2023
2024
Q1: 13.11%
Méd: 47.63%
Q3: 76.27%
Good
In 2024, the financial autonomy of HERVE CLAVEL ASSURANCES (70.5%) 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
0.0 years2024
2022
2023
2024
Q1: 0.0 years
Méd: 0.12 years
Q3: 1.71 years
Excellent-36 pts durante 3 años
In 2024, the repayment capacity of HERVE CLAVEL ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
Ratios de liquidez
The liquidity ratio (= Current assets / Current liabilities) stands at 112.07. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
Ratio de liquidez (2024)
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Ratio de liquidez
Definición
Capacidad para pagar las deudas a corto plazo con el activo circulante.
Fórmula
Activo circulante / Pasivo circulante
Interpretación
> 1.5 : Muy bueno 1-1.5 : Correcto < 1 : Risque de liquidité
112.067
Cobertura de intereses (2024)
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Cobertura de intereses
Definición
Capacidad para cubrir los gastos financieros con el resultado de explotación.
Evolución de indicadores de liquidez HERVE CLAVEL ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicador
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Ratio de liquidez
153.935
132.566
132.818
123.688
115.833
127.743
134.406
146.158
117.343
117.262
112.067
Cobertura de intereses
0.02
0.056
0.067
0.0
0.0
1.25
1.258
0.609
0.566
0.23
0.044
Positionnement sectoriel
Liquidity ratio
112.072024
2022
2023
2024
Q1: 123.28
Méd: 242.89
Q3: 571.56
Watch
In 2024, the liquidity ratio of HERVE CLAVEL ASSURANCES (112.07) 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.
Interest coverage
0.04x2024
2022
2023
2024
Q1: 0.0x
Méd: 0.0x
Q3: 2.2x
Good-6 pts durante 3 años
In 2024, the interest coverage of HERVE CLAVEL ASSURANCES (0.0x) 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.
Necesidad de fondo de rotación (NFR) y plazos de pago
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: 12 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-52 days): operations structurally generate cash. Notable WCR improvement over the period (-147%), freeing up cash.
NFR de explotación (2024)
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NFR de explotación
Definición
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Fórmula
Stocks + Créances clients - Dettes fournisseurs
Interpretación
Negativo = tesorería liberada Positivo = necesidad de financiación
-900 734 €
Crédito clientes (2024)
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Crédito clientes (días)
Definición
Plazo medio de cobro a clientes.
Fórmula
(Cuentas por cobrar / Ingresos con IVA) x 360
Interpretación
< 45j : Bueno 45-60j : Medio > 60j : Largo
0 j
Crédito proveedores (2024)
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Crédito proveedores (días)
Definición
Plazo medio de pago a proveedores.
Fórmula
(Cuentas por pagar / Compras con IVA) x 360
Interpretación
Cuanto más largo sea el plazo, mejor para la tesorería
12 j
Rotación de inventario (2024)
?
Rotación de inventario (días)
Definición
Duración media de almacenamiento de mercancías o materiales.
Fórmula
(Existencias / Coste de compra) x 360
Interpretación
Cuanto menor sea el ratio, más rápida es la rotación
0 j
NFR en días de ingresos (2024)
?
NFR en días de ingresos
Definición
Expresa el fondo de maniobra operativo en días de facturación.
Fórmula
(BFR exploitation / CA) x 360
Interpretación
Cuantos menos días, mejor gestión del capital circulante
-52 j
Evolución del NFR y plazos HERVE CLAVEL ASSURANCES
Visualización creada con numbers.finance Sources : INPI & BCE - Ajustes : Ministère de l'Économie
Indicador
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
BFR d'exploitation
-364 077 €
-389 629 €
-782 701 €
-916 007 €
-850 283 €
-955 124 €
-917 305 €
-1 072 292 €
-709 456 €
-746 827 €
-900 734 €
Rotación de inventario (días)
0
0
0
0
0
0
0
0
0
0
0
Crédit clients (jours)
0
0
0
0
0
78
99
0
0
0
0
Crédit fournisseurs (jours)
7
8
10
25
9
18
14
15
15
14
12
Positionnement de HERVE CLAVEL ASSURANCES dans son secteur
Comparación con el sector Activités des agents et courtiers d'assurances
Estimación de valoración
Based on 193 transactions of similar company sales
(all years),
the value of HERVE CLAVEL ASSURANCES is estimated at
2 889 476 €
(range 860 558€ - 8 633 146€).
With an EBITDA of 1 167 546€, 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 value2024
193 transactions
860k€2889k€8633k€
2 889 476 €Range: 860 558€ - 8 633 146€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
1 167 546 €×1.2x
Estimation1 413 494 €
365 091€ - 7 214 882€
Revenue Multiple30%
6 194 441 €×0.98x
Estimation6 085 593 €
1 697 070€ - 11 318 149€
Net Income Multiple20%
887 010 €×2.0x
Estimation1 785 258 €
844 461€ - 8 151 304€
Evolución de la valoración
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 HERVE CLAVEL ASSURANCES with other companies in the same sector:
Frequently asked questions about HERVE CLAVEL ASSURANCES
What is the revenue of HERVE CLAVEL ASSURANCES ?
The revenue of HERVE CLAVEL ASSURANCES in 2024 is 6.2 M€.
Is HERVE CLAVEL ASSURANCES profitable?
Yes, HERVE CLAVEL ASSURANCES generated a net profit of 887 k€ in 2024.
Where is the headquarters of HERVE CLAVEL ASSURANCES ?
The headquarters of HERVE CLAVEL ASSURANCES is located in LYON (69005), in the department Rhone.
Where to find the tax return of HERVE CLAVEL ASSURANCES ?
The tax return of HERVE CLAVEL 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 HERVE CLAVEL ASSURANCES operate?
HERVE CLAVEL 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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