Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2005-06-07 (20 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: CAGNES-SUR-MER (06800), Alpes-Maritimes
2 AL ASSURANCES : revenue, balance sheet and financial ratios
2 AL ASSURANCES is a French company
founded 20 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in CAGNES-SUR-MER (06800),
this company of category PME
shows in 2016 a revenue of 688 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - 2 AL ASSURANCES (SIREN 483723961)
Indicator
2023
2022
2021
2020
2019
2018
2016
2015
Revenue
N/C
N/C
N/C
N/C
N/C
N/C
687 898 €
982 223 €
Net income
145 740 €
130 262 €
138 902 €
124 316 €
130 934 €
160 053 €
94 093 €
142 813 €
EBITDA
N/C
N/C
N/C
N/C
N/C
N/C
153 767 €
178 692 €
Net margin
N/C
N/C
N/C
N/C
N/C
N/C
13.7%
14.5%
Revenue and income statement
In 2023, 2 AL ASSURANCES generates positive net income of 146 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2023: 143 k€ -> 146 k€.
Net income (2023)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
145 740 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
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 96%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2023)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
0.202%
Financial autonomy (2023)
?
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
96.377%
Asset age ratio (2023)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2018
2019
2020
2021
2022
2023
Debt ratio
20.232
119.145
51.58
31.989
17.186
6.95
0.839
0.202
Financial autonomy
81.127
43.407
63.619
73.434
82.948
89.655
96.272
96.377
Repayment capacity
1.818
4.928
None
None
None
None
None
None
Cash flow / Revenue
14.219%
16.947%
None%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
0.22023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Good-12 pts over 3 years
In 2023, the debt ratio of 2 AL ASSURANCES (0.20) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
96.38%2023
2021
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Excellent
In 2023, the financial autonomy of 2 AL ASSURANCES (96.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 715.89. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2023)
?
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
715.892
Liquidity indicators evolution 2 AL ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2016
2018
2019
2020
2021
2022
2023
Liquidity ratio
1397.426
230.205
390.745
504.978
503.062
410.873
706.651
715.892
Interest coverage
4.96
8.899
None
None
None
None
None
None
Sector positioning
Liquidity ratio
715.892023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Excellent+6 pts over 3 years
In 2023, the liquidity ratio of 2 AL ASSURANCES (715.89) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
Operating WCR (2023)
?
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
0 €
Customer credit (2023)
?
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
0 j
Supplier credit (2023)
?
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
0 j
Inventory turnover (2023)
?
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 and payment terms evolution 2 AL ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2018
2019
2020
2021
2022
2023
Operating WCR
482 321 €
-7 244 €
0 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
Customer payment term (days)
3
0
0
0
0
0
0
0
Supplier payment term (days)
9
11
0
0
0
0
0
0
Positioning of 2 AL ASSURANCES 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 2 AL ASSURANCES is estimated at
293 326 €
(range 138 749€ - 1 339 298€).
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 value2023
193 transactions
138k€293k€1339k€
293 326 €Range: 138 749€ - 1 339 298€
NAF 5 all-time
Valuation method used
Net Income Multiple
145 740 €
×
2.0x
=293 326 €
Range: 138 749€ - 1 339 298€
Only this financial indicator is available for this company.
Valuation evolution
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 2 AL ASSURANCES with other companies in the same sector:
Yes, 2 AL ASSURANCES generated a net profit of 146 k€ in 2023.
Where is the headquarters of 2 AL ASSURANCES ?
The headquarters of 2 AL ASSURANCES is located in CAGNES-SUR-MER (06800), in the department Alpes-Maritimes.
Where to find the tax return of 2 AL ASSURANCES ?
The tax return of 2 AL 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 2 AL ASSURANCES operate?
2 AL 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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