ACCES ASSURANCE : revenue, balance sheet and financial ratios

ACCES ASSURANCE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TREMBLAY-EN-FRANCE (93290), this company of category PME shows in 2025 a revenue of 2.7 M€. 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

Financial history - ACCES ASSURANCE (SIREN 751953225)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 678 274 € N/C 2 201 573 € 2 195 360 € 2 111 948 € 1 680 180 € 1 013 000 € 950 709 € 910 601 € 621 182 €
Net income 520 231 € 464 345 € 443 665 € 391 726 € 381 841 € 331 082 € 318 627 € 242 208 € 194 139 € 91 405 €
EBITDA 907 823 € N/C 755 934 € 668 996 € 729 059 € 563 810 € 473 511 € 374 911 € 326 207 € 191 590 €
Net margin 19.4% N/C 20.2% 17.8% 18.1% 19.7% 31.5% 25.5% 21.3% 14.7%

Revenue and income statement

In 2025, ACCES ASSURANCE achieves revenue of 2.7 M€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +17.6%. After deducting consumption (0 €), gross margin stands at 2.7 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 908 k€, representing 33.9% 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 520 k€, i.e. 19.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 678 274 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 678 274 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

907 823 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

744 371 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

520 231 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

33.9%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 171%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.7 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 25.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

170.638%

Financial autonomy (2025) ?
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

35.895%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

25.614%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

4.655

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

41.8%

Solvency indicators evolution
ACCES ASSURANCE

Sector positioning

Debt ratio
170.64 2025
2023
2024
2025
Q1: 0.0
Med: 5.01
Q3: 46.74
Watch

In 2025, the debt ratio of ACCES ASSURANCE (170.64) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
35.9% 2025
2023
2024
2025
Q1: 12.95%
Med: 50.59%
Q3: 77.39%
Average +8 pts over 3 years

In 2025, the financial autonomy of ACCES ASSURANCE (35.9%) 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
4.66 years 2025
2023
2025
Q1: 0.0 years
Med: 0.02 years
Q3: 1.45 years
Watch

In 2025, the repayment capacity of ACCES ASSURANCE (4.66) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 454.66. 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 4.2x. Financial charges are adequately covered by operations.

Liquidity ratio (2025) ?
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

454.658

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

4.17

Liquidity indicators evolution
ACCES ASSURANCE

Sector positioning

Liquidity ratio
454.66 2025
2023
2024
2025
Q1: 160.33
Med: 312.99
Q3: 811.09
Good

In 2025, the liquidity ratio of ACCES ASSURANCE (454.66) 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.

Interest coverage
4.17x 2025
2023
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.06x
Excellent

In 2025, the interest coverage of ACCES ASSURANCE (4.2x) 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) and payment terms

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 43 days of revenue, i.e. 323 k€ to permanently finance. Over 2016-2025, WCR increased by +710%, requiring additional financing.

Operating WCR (2025) ?
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

322 518 €

Customer credit (2025) ?
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 (2025) ?
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

1 j

Inventory turnover (2025) ?
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 in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

43 j

WCR and payment terms evolution
ACCES ASSURANCE

Positioning of ACCES ASSURANCE 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 ACCES ASSURANCE is estimated at 1 548 303 € (range 461 120€ - 5 229 184€). With an EBITDA of 907 823€, 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 value 2025
193 transactions
461k€ 1548k€ 5229k€
1 548 303 € Range: 461 120€ - 5 229 184€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
907 823 € × 1.2x
Estimation 1 099 059 €
283 876€ - 5 609 916€
Revenue Multiple 30%
2 678 274 € × 0.98x
Estimation 2 631 212 €
733 758€ - 4 893 598€
Net Income Multiple 20%
520 231 € × 2.0x
Estimation 1 047 053 €
495 276€ - 4 780 737€

Valuation evolution

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 ACCES ASSURANCE with other companies in the same sector:

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

Frequently asked questions about ACCES ASSURANCE

What is the revenue of ACCES ASSURANCE ?

The revenue of ACCES ASSURANCE in 2025 is 2.7 M€.

Is ACCES ASSURANCE profitable?

Yes, ACCES ASSURANCE generated a net profit of 520 k€ in 2025.

Where is the headquarters of ACCES ASSURANCE ?

The headquarters of ACCES ASSURANCE is located in TREMBLAY-EN-FRANCE (93290), in the department Seine-Saint-Denis.

Where to find the tax return of ACCES ASSURANCE ?

The tax return of ACCES ASSURANCE 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 ACCES ASSURANCE operate?

ACCES ASSURANCE 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.