ASSUR SOLUTIONS BUSINESS : revenue, balance sheet and financial ratios

ASSUR SOLUTIONS BUSINESS is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-PHILBERT-DES-CHAMPS (14130), this company of category PME shows in 2018 a revenue of 27 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Historique financier - ASSUR SOLUTIONS BUSINESS (SIREN 812721249)
Kennzahl 2018 2017
Umsatz 27 131 € 35 501 €
Nettoergebnis 8 874 € 12 375 €
EBITDA 14 659 € 15 137 €
Nettomarge 32.7% 34.9%

Umsatz und Gewinn- und Verlustrechnung

In 2018, ASSUR SOLUTIONS BUSINESS achieves revenue of 27 k€. Significant drop of -24% vs 2017. After deducting consumption (0 €), gross margin stands at 27 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 15 k€, representing 54.0% of revenue. Positive scissor effect: EBITDA margin improves by +11.4 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 9 k€, i.e. 32.7% of revenue. This profit can be retained or distributed to shareholders.

Umsatz (2018) ?
Umsatz
Definition
Gesamtbetrag der Verkäufe von Waren und Dienstleistungen des Unternehmens.
Formel
Warenverkäufe + Verkaufte Produktion

27 131 €

Bruttomarge (2018) ?
Bruttomarge
Definition
Differenz zwischen Umsatz und Wareneinsatz.
Formel
Umsatz - Wareneinsatz

27 131 €

EBITDA (2018) ?
EBITDA (Betriebsergebnis vor Abschreibungen)
Definition
Ressource générée par l'activité courante, avant amortissements et charges financières.
Formel
Wertschöpfung - Personalkosten - Steuern
Interpretation
Positiv = rentable Tätigkeit

14 659 €

EBIT (2018) ?
EBIT (Betriebsergebnis)
Definition
Betriebsergebnis, einschließlich Abschreibungen und Rückstellungen.
Formel
EBITDA - Abschreibungen und Rückstellungen + Auflösungen

10 679 €

Nettoergebnis (2018) ?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Formel
Ordentliches Ergebnis + Außerordentliches Ergebnis - Ertragsteuern

8 874 €

EBITDA-Marge (2018) ?
EBITDA-Marge
Definition
Misst die operative Rentabilität des Unternehmens.
Formel
(EBE / CA) x 100
Interpretation
> 10% : Gute Rentabilität
5-10% : Durchschnitt
< 5% : Faible

54.0%

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Solvenz- und Verschuldungskennzahlen

The debt ratio (= Financial debt / Equity x 100) stands at 66%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 32%. The balance between equity and debt is satisfactory. 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 47.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Verschuldungsgrad (2018) ?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible
50-100% : Moderat
> 100% : Hoch

66.138%

Finanzielle Autonomie (2018) ?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Formel
(Eigenkapital / Bilanzsumme) x 100
Interpretation
> 30% : Gute Autonomie
20-30% : Durchschnitt
< 20% : Faible

31.974%

Cashflow / Umsatz (2018) ?
Cashflow / Umsatz
Definition
Capacité d'autofinancement rapportée au chiffre d'affaires.
Formel
(CAF / CA) x 100
Interpretation
Je höher das Verhältnis, desto mehr Liquidität generiert das Unternehmen

47.374%

Rückzahlungsfähigkeit (2018) ?
Rückzahlungsfähigkeit
Definition
Anzahl der Jahre zur Schuldenrückzahlung mit dem Cashflow.
Formel
Dettes financières / CAF
Interpretation
< 3 Jahre : Ausgezeichnet
3-5 Jahre : Angemessen
> 5 Jahre : Attention

0.576

Anlagenaltersquote (2018) ?
Anlagenaltersquote
Definition
Misst den Abnutzungsgrad des Sachanlagevermögens.
Formel
Kumulierte Abschreibungen / Bruttoanlagevermögen x 100
Interpretation
< 50% : Neue Anlagen
50-70% : Normale Abnutzung
> 70% : Alternde Anlagen

75.9%

Entwicklung der Solvenzkennzahlen
ASSUR SOLUTIONS BUSINESS

Positionnement sectoriel

Debt ratio
66.14 2018
2017
2018
Q1: 0.01
Méd: 9.38
Q3: 55.7
Average

In 2018, the debt ratio of ASSUR SOLUTIONS BUSINESS (66.14) 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
31.97% 2018
2017
2018
Q1: 14.67%
Méd: 45.08%
Q3: 73.22%
Average -26 pts über 2 Jahre

In 2018, the financial autonomy of ASSUR SOLUTIONS BUSINESS (32.0%) 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
0.58 years 2018
2017
2018
Q1: 0.0 years
Méd: 0.04 years
Q3: 2.04 years
Average

In 2018, the repayment capacity of ASSUR SOLUTIONS BUSINESS (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.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 185.16. 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 1.0x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquiditätsquote (2018) ?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut
1-1.5 : Angemessen
< 1 : Risque de liquidité

185.164

Zinsdeckung (2018) ?
Zinsdeckung
Definition
Fähigkeit, Zinsaufwendungen mit dem Betriebsergebnis zu decken.
Formel
EBIT / Zinsaufwendungen
Interpretation
> 3 : Komfortabel
1.5-3 : Acceptable
< 1.5 : Risiko

0.976

Entwicklung der Liquiditätskennzahlen
ASSUR SOLUTIONS BUSINESS

Positionnement sectoriel

Liquidity ratio
185.16 2018
2017
2018
Q1: 109.41
Méd: 206.71
Q3: 452.42
Average +11 pts über 2 Jahre

In 2018, the liquidity ratio of ASSUR SOLUTIONS BUSINESS (185.16) 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
0.98x 2018
2017
2018
Q1: 0.0x
Méd: 0.0x
Q3: 2.72x
Good +5 pts über 2 Jahre

In 2018, the interest coverage of ASSUR SOLUTIONS BUSINESS (1.0x) 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.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 42 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 days. The company must finance 25 days of gap between collections and payments. WCR is negative (-178 days): operations structurally generate cash.

Operatives Working Capital (2018) ?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Formel
Stocks + Créances clients - Dettes fournisseurs
Interpretation
Negativ = freigesetzte Liquidität
Positiv = Finanzierungsbedarf

-13 408 €

Kundenforderungen (2018) ?
Kundenforderungen (Tage)
Definition
Durchschnittliche Zahlungsfrist für Kunden.
Formel
(Kundenforderungen / Umsatz inkl. MwSt.) x 360
Interpretation
< 45j : Gut
45-60j : Durchschnitt
> 60j : Lang

42 j

Lieferantenverbindlichkeiten (2018) ?
Lieferantenverbindlichkeiten (Tage)
Definition
Durchschnittliche Zahlungsfrist von Lieferanten.
Formel
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität

17 j

Lagerumschlag (2018) ?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag

0 j

Working Capital in Umsatztagen (2018) ?
Working Capital in Umsatztagen
Definition
Drückt den Betriebskapitalbedarf in Umsatztagen aus.
Formel
(BFR exploitation / CA) x 360
Interpretation
Je weniger Tage, desto besser das Working Capital Management

-178 j

Entwicklung des Working Capital und der Zahlungsfristen
ASSUR SOLUTIONS BUSINESS

Positionnement de ASSUR SOLUTIONS BUSINESS dans son secteur

Vergleich mit der Branche Activités des agents et courtiers d'assurances

Bewertungsschätzung

Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 11 862€ to 114 487€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2018
Indicative
11k€ 44k€ 114k€
44 649 € Range: 11 862€ - 114 487€
NAF 5 année 2018

Bewertungsentwicklung

How is this estimate calculated?

This estimate is based on the analysis of 31 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 ASSUR SOLUTIONS BUSINESS with other companies in the same sector:

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

Frequently asked questions about ASSUR SOLUTIONS BUSINESS

What is the revenue of ASSUR SOLUTIONS BUSINESS ?

The revenue of ASSUR SOLUTIONS BUSINESS in 2018 is 27 k€.

Is ASSUR SOLUTIONS BUSINESS profitable?

Yes, ASSUR SOLUTIONS BUSINESS generated a net profit of 9 k€ in 2018.

Where is the headquarters of ASSUR SOLUTIONS BUSINESS ?

The headquarters of ASSUR SOLUTIONS BUSINESS is located in SAINT-PHILBERT-DES-CHAMPS (14130), in the department Calvados.

Where to find the tax return of ASSUR SOLUTIONS BUSINESS ?

The tax return of ASSUR SOLUTIONS BUSINESS 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 ASSUR SOLUTIONS BUSINESS operate?

ASSUR SOLUTIONS BUSINESS 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.