AGENCE AERONAUTIQUE D ASSURANCES : revenue, balance sheet and financial ratios

AGENCE AERONAUTIQUE D ASSURANCES is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-CLOUD (92210), this company of category GE shows in 2024 a revenue of 930 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - AGENCE AERONAUTIQUE D ASSURANCES (SIREN 392208880)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 929 766 € 876 923 € 815 812 € 833 550 € 820 268 € 921 693 € 994 365 € 976 236 € 942 878 €
Net income 58 598 € 96 832 € 67 404 € 190 € 27 948 € 78 336 € 77 178 € 64 109 € 41 262 €
EBITDA 33 328 € 88 061 € 81 526 € -23 064 € 49 299 € 109 824 € 85 238 € 91 545 € 58 950 €
Net margin 6.3% 11.0% 8.3% 0.0% 3.4% 8.5% 7.8% 6.6% 4.4%

Revenue and income statement

In 2024, AGENCE AERONAUTIQUE D ASSURANCES achieves revenue of 930 k€. Activity remains stable over the period (CAGR: -0.2%). Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 930 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 33 k€, representing 3.6% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -62%, reducing margin by 6.5 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 59 k€, i.e. 6.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

929 766 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

929 766 €

EBITDA (2024) ?
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

33 328 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

33 661 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

58 598 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.6%

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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 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 84%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 6.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2024) ?
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

83.7%

Cash flow / Revenue (2024) ?
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

6.353%

Repayment capacity (2024) ?
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

0.0

Asset age ratio (2024) ?
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

2.2%

Solvency indicators evolution
AGENCE AERONAUTIQUE D ASSURANCES

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent

In 2024, the debt ratio of AGENCE AERONAUTIQUE D ASS... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
83.7% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Excellent +50 pts over 3 years

In 2024, the financial autonomy of AGENCE AERONAUTIQUE D ASS... (83.7%) 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.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of AGENCE AERONAUTIQUE D ASS... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 605.88. 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 12.3x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

605.88

Interest coverage (2024) ?
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

12.26

Liquidity indicators evolution
AGENCE AERONAUTIQUE D ASSURANCES

Sector positioning

Liquidity ratio
605.88 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Excellent +50 pts over 3 years

In 2024, the liquidity ratio of AGENCE AERONAUTIQUE D ASS... (605.88) 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.

Interest coverage
12.26x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent

In 2024, the interest coverage of AGENCE AERONAUTIQUE D ASS... (12.3x) 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: 44 days. Excellent situation: suppliers finance 44 days of the operating cycle (retail model). Overall, WCR represents 5 days of revenue, i.e. 12 k€ to permanently finance. Over 2016-2024, WCR increased by +112%, requiring additional financing.

Operating WCR (2024) ?
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

11 762 €

Customer credit (2024) ?
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 (2024) ?
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

44 j

Inventory turnover (2024) ?
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 (2024) ?
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

5 j

WCR and payment terms evolution
AGENCE AERONAUTIQUE D ASSURANCES

Positioning of AGENCE AERONAUTIQUE D 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 AGENCE AERONAUTIQUE D ASSURANCES is estimated at 317 790 € (range 92 785€ - 720 320€). With an EBITDA of 33 328€, 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 2024
193 transactions
92k€ 317k€ 720k€
317 790 € Range: 92 785€ - 720 320€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
33 328 € × 1.2x
Estimation 40 349 €
10 422€ - 205 951€
Revenue Multiple 30%
929 766 € × 0.98x
Estimation 913 428 €
254 725€ - 1 698 818€
Net Income Multiple 20%
58 598 € × 2.0x
Estimation 117 938 €
55 787€ - 538 495€

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 AGENCE AERONAUTIQUE D ASSURANCES with other companies in the same sector:

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

Frequently asked questions about AGENCE AERONAUTIQUE D ASSURANCES

What is the revenue of AGENCE AERONAUTIQUE D ASSURANCES ?

The revenue of AGENCE AERONAUTIQUE D ASSURANCES in 2024 is 930 k€.

Is AGENCE AERONAUTIQUE D ASSURANCES profitable?

Yes, AGENCE AERONAUTIQUE D ASSURANCES generated a net profit of 59 k€ in 2024.

Where is the headquarters of AGENCE AERONAUTIQUE D ASSURANCES ?

The headquarters of AGENCE AERONAUTIQUE D ASSURANCES is located in SAINT-CLOUD (92210), in the department Hauts-de-Seine.

Where to find the tax return of AGENCE AERONAUTIQUE D ASSURANCES ?

The tax return of AGENCE AERONAUTIQUE D 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 AGENCE AERONAUTIQUE D ASSURANCES operate?

AGENCE AERONAUTIQUE D 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.