SIREN : 529308421
[ND] is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AGEN ([ND]), this company of category PME shows in 2023 a revenue of 1.1 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
| Indicador | 2023 | 2022 | 2020 | 2017 | 2016 |
|---|---|---|---|---|---|
| Ingresos | 1 122 652 € | 1 042 698 € | 914 116 € | 801 488 € | 684 908 € |
| Resultado neto | 135 951 € | 121 182 € | 161 687 € | 102 465 € | 93 462 € |
| EBITDA | 192 100 € | 167 483 € | 230 807 € | 148 456 € | 140 758 € |
| Margen neto | 12.1% | 11.6% | 17.7% | 12.8% | 13.6% |
In 2023, [ND] achieves revenue of 1.1 M€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +7.3%. Vs 2022: +8%. After deducting consumption (139 k€), gross margin stands at 984 k€, i.e. a rate of 88%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 192 k€, representing 17.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 136 k€, i.e. 12.1% of revenue. This profit can be retained or distributed to shareholders.
1 122 652 €
984 038 €
192 100 €
174 165 €
135 951 €
17.0%
The debt ratio (= Financial debt / Equity x 100) stands at 18%. 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. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 13.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
18.363%
70.085%
13.609%
1.298
65.1%
In 2023, the debt ratio of [ND] (18.36) 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 [ND] (70.1%) 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.
In 2023, the repayment capacity of [ND] (1.30) 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 323.25. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
323.25
0.0
In 2023, the liquidity ratio of [ND] (323.25) 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.
In 2023, the interest coverage of [ND] (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
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: 1 days. Favorable situation: supplier credit is longer than customer credit by 1 days. Overall, WCR represents 190 days of revenue, i.e. 592 k€ to permanently finance. Over 2016-2023, WCR increased by +229%, requiring additional financing.
591 660 €
0 j
1 j
0 j
190 j
Based on 193 transactions of similar company sales (all years), the value of [ND] is estimated at 501 885 € (range 148 191€ - 1 458 786€). With an EBITDA of 192 100€, 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 [ND] with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of [ND] in 2023 is 1.1 M€.
Yes, [ND] generated a net profit of 136 k€ in 2023.
The headquarters of [ND] is located in AGEN ([ND]).
The tax return of [ND] 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).
[ND] 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.