AGENCE DARMAILLAC ASSURANCES : revenue, balance sheet and financial ratios

AGENCE DARMAILLAC ASSURANCES is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in POMAREZ (40360), this company of category PME shows in 2021 a revenue of 646 k€. 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

Financial history - AGENCE DARMAILLAC ASSURANCES (SIREN 440467124)
Indicator 2022 2021 2020 2019 2018 2017
Revenue N/C 646 419 € 652 000 € 584 937 € 582 381 € 599 637 €
Net income 50 372 € 34 891 € 70 759 € 56 645 € 56 866 € 76 998 €
EBITDA N/C 46 024 € 92 579 € 75 353 € 61 413 € 74 432 €
Net margin N/C 5.4% 10.9% 9.7% 9.8% 12.8%

Revenue and income statement

In 2022, AGENCE DARMAILLAC ASSURANCES generates positive net income of 50 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2022: 77 k€ -> 50 k€.

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

50 372 €

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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 82%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

81.592%

Financial autonomy (2022) ?
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

48.404%

Asset age ratio (2022) ?
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

45.8%

Solvency indicators evolution
AGENCE DARMAILLAC ASSURANCES

Sector positioning

Debt ratio
81.59 2022
2020
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Average

In 2022, the debt ratio of AGENCE DARMAILLAC ASSURANCES (81.59) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
48.4% 2022
2020
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Good

In 2022, the financial autonomy of AGENCE DARMAILLAC ASSURANCES (48.4%) 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.

Repayment capacity
19.64 years 2021
2020
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.52 years
Watch

In 2021, the repayment capacity of AGENCE DARMAILLAC ASSURANCES (19.64) 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 659.81. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

659.812

Liquidity indicators evolution
AGENCE DARMAILLAC ASSURANCES

Sector positioning

Liquidity ratio
659.81 2022
2020
2021
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Excellent

In 2022, the liquidity ratio of AGENCE DARMAILLAC ASSURANCES (659.81) 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
8.92x 2021
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Excellent

In 2021, the interest coverage of AGENCE DARMAILLAC ASSURANCES (8.9x) 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.

Operating WCR (2022) ?
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 (2022) ?
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 (2022) ?
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 (2022) ?
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
AGENCE DARMAILLAC ASSURANCES

Positioning of AGENCE DARMAILLAC 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 DARMAILLAC ASSURANCES is estimated at 101 382 € (range 47 955€ - 462 900€). 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 2022
193 transactions
47k€ 101k€ 462k€
101 382 € Range: 47 955€ - 462 900€
NAF 5 all-time

Valuation method used

Net Income Multiple
50 372 € × 2.0x = 101 382 €
Range: 47 956€ - 462 901€

Only this financial indicator is available for this company.

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 DARMAILLAC 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 DARMAILLAC ASSURANCES

What is the revenue of AGENCE DARMAILLAC ASSURANCES ?

The revenue of AGENCE DARMAILLAC ASSURANCES in 2021 is 646 k€.

Is AGENCE DARMAILLAC ASSURANCES profitable?

Yes, AGENCE DARMAILLAC ASSURANCES generated a net profit of 50 k€ in 2022.

Where is the headquarters of AGENCE DARMAILLAC ASSURANCES ?

The headquarters of AGENCE DARMAILLAC ASSURANCES is located in POMAREZ (40360), in the department Landes.

Where to find the tax return of AGENCE DARMAILLAC ASSURANCES ?

The tax return of AGENCE DARMAILLAC 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 DARMAILLAC ASSURANCES operate?

AGENCE DARMAILLAC 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.