SIREN : 521693374
ADELIE ASSURANCES is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-MALO (35400), this company of category PME shows in 2024 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 |
|---|---|---|
| Revenue | 1 289 064 € | 1 137 741 € |
| Net income | 209 678 € | 360 348 € |
| EBITDA | 267 604 € | 473 470 € |
| Net margin | 16.3% | 31.7% |
In 2024, ADELIE ASSURANCES achieves revenue of 1.3 M€. Vs 2023, growth of +13% (1.1 M€ -> 1.3 M€). After deducting consumption (0 €), gross margin stands at 1.3 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 268 k€, representing 20.8% of revenue. Warning negative scissor effect: despite revenue change (+13%), EBITDA varies by -43%, reducing margin by 20.9 pts. This reflects costs rising faster than 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 210 k€, i.e. 16.3% of revenue. This profit can be retained or distributed to shareholders.
1 289 064 €
1 289 064 €
267 604 €
252 427 €
209 678 €
20.6%
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 73%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.452%
72.921%
16.801%
0.012
32.9%
In 2024, the debt ratio of ADELIE ASSURANCES (0.45) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of ADELIE ASSURANCES (72.9%) 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 2024, the repayment capacity of ADELIE ASSURANCES (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 306.06. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
306.059
0.006
In 2024, the liquidity ratio of ADELIE ASSURANCES (306.06) 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 2024, the interest coverage of ADELIE ASSURANCES (0.0x) 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.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 22 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 73 days. Excellent situation: suppliers finance 51 days of the operating cycle (retail model). Overall, WCR represents 145 days of revenue, i.e. 519 k€ to permanently finance.
518 745 €
22 j
73 j
0 j
145 j
Based on 193 transactions of similar company sales (all years), the value of ADELIE ASSURANCES is estimated at 626 314 € (range 187 712€ - 1 918 798€). With an EBITDA of 267 604€, 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 ADELIE ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ADELIE ASSURANCES in 2024 is 1.3 M€.
Yes, ADELIE ASSURANCES generated a net profit of 210 k€ in 2024.
The headquarters of ADELIE ASSURANCES is located in SAINT-MALO (35400), in the department Ille-et-Vilaine.
The tax return of ADELIE 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).
ADELIE 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.