SIREN : 479414716
AMA ASSURANCES is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CASTRES (81100), this company of category PME shows in 2024 a revenue of 1.5 M€. 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 | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 532 623 € | 1 444 725 € | 1 471 822 € | N/C | 1 145 967 € | 1 134 097 € | 1 105 889 € | 1 173 337 € |
| Net income | 377 915 € | 428 222 € | 435 064 € | 394 891 € | 293 427 € | 322 265 € | 236 219 € | 142 570 € |
| EBITDA | 589 244 € | 587 234 € | 617 729 € | N/C | 414 941 € | 355 706 € | 321 088 € | 340 362 € |
| Net margin | 24.7% | 29.6% | 29.6% | N/C | 25.6% | 28.4% | 21.4% | 12.2% |
In 2024, AMA ASSURANCES achieves revenue of 1.5 M€. Revenue is growing positively over 8 years (CAGR: +3.4%). Vs 2023: +6%. After deducting consumption (3 k€), gross margin stands at 1.5 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 589 k€, representing 38.4% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by +0%, reducing margin by 2.2 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 378 k€, i.e. 24.7% of revenue. This profit can be retained or distributed to shareholders.
1 532 623 €
1 529 784 €
589 244 €
527 376 €
377 915 €
38.3%
The debt ratio (= Financial debt / Equity x 100) stands at 5%. 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 88%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 29.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
4.819%
87.641%
29.413%
0.27
40.1%
In 2024, the debt ratio of AMA ASSURANCES (4.82) 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 AMA ASSURANCES (87.6%) 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.
In 2024, the repayment capacity of AMA ASSURANCES (0.27) 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 284.02. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
284.016
0.353
In 2024, the liquidity ratio of AMA ASSURANCES (284.02) 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 AMA ASSURANCES (0.3x) 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: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 102 days. Excellent situation: suppliers finance 73 days of the operating cycle (retail model). Overall, WCR represents 31 days of revenue, i.e. 131 k€ to permanently finance. Over 2016-2024, WCR increased by +264%, requiring additional financing.
130 534 €
29 j
102 j
0 j
31 j
Based on 193 transactions of similar company sales (all years), the value of AMA ASSURANCES is estimated at 960 516 € (range 290 051€ - 3 355 303€). With an EBITDA of 589 244€, 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 AMA ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AMA ASSURANCES in 2024 is 1.5 M€.
Yes, AMA ASSURANCES generated a net profit of 378 k€ in 2024.
The headquarters of AMA ASSURANCES is located in CASTRES (81100), in the department Tarn.
The tax return of AMA 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).
AMA 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.