SIREN : 378149876
ABC ASSURANCES is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VICHY (03200), this company of category PME shows in 2023 a revenue of 491 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 491 017 € | 474 892 € | 478 080 € | 495 700 € | 490 590 € | 515 374 € | 559 624 € |
| Net income | 29 355 € | -24 333 € | -95 224 € | 14 032 € | 9 389 € | 6 242 € | 3 525 € |
| EBITDA | 46 682 € | -2 330 € | -74 413 € | 23 776 € | 770 € | 29 309 € | 4 316 € |
| Net margin | 6.0% | -5.1% | -19.9% | 2.8% | 1.9% | 1.2% | 0.6% |
In 2023, ABC ASSURANCES achieves revenue of 491 k€. Activity remains stable over the period (CAGR: -1.9%). Vs 2022: +3%. After deducting consumption (0 €), gross margin stands at 491 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 47 k€, representing 9.5% of revenue. Positive scissor effect: EBITDA margin improves by +10.0 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 6.0% of revenue. This profit can be retained or distributed to shareholders.
491 017 €
491 017 €
46 682 €
32 385 €
29 355 €
9.5%
The debt ratio (= Financial debt / Equity x 100) stands at 27%. 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 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 8.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
27.325%
36.543%
8.114%
1.83
11.8%
In 2023, the debt ratio of ABC ASSURANCES (27.32) 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 ABC ASSURANCES (36.5%) 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 ABC ASSURANCES (1.83) 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 100.94. 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 2.7x. Financial charges are adequately covered by operations.
100.939
2.688
In 2023, the liquidity ratio of ABC ASSURANCES (100.94) 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 ABC ASSURANCES (2.7x) 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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 29 days. Favorable situation: supplier credit is longer than customer credit by 27 days. WCR is negative (-153 days): operations structurally generate cash.
-209 016 €
2 j
29 j
0 j
-153 j
Based on 193 transactions of similar company sales (all years), the value of ABC ASSURANCES is estimated at 184 790 € (range 53 244€ - 467 336€). With an EBITDA of 46 682€, 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 ABC ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ABC ASSURANCES in 2023 is 491 k€.
Yes, ABC ASSURANCES generated a net profit of 29 k€ in 2023.
The headquarters of ABC ASSURANCES is located in VICHY (03200), in the department Allier.
The tax return of ABC 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).
ABC 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.