SIREN : 824497622
ANGEL ASSURANCE is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT MARTIN (97150), this company of category PME shows in 2020 a revenue of 98 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
| Indicator | 2020 | 2019 | 2018 |
|---|---|---|---|
| Revenue | 97 909 € | 72 146 € | 81 725 € |
| Net income | 7 817 € | 19 942 € | 35 758 € |
| EBITDA | 6 622 € | 21 874 € | 39 732 € |
| Net margin | 8.0% | 27.6% | 43.8% |
In 2020, ANGEL ASSURANCE achieves revenue of 98 k€. Over the period 2018-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +9.5%. Vs 2019, growth of +36% (72 k€ -> 98 k€). After deducting consumption (0 €), gross margin stands at 98 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 7 k€, representing 6.8% of revenue. Warning negative scissor effect: despite revenue change (+36%), EBITDA varies by -70%, reducing margin by 23.6 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 8 k€, i.e. 8.0% of revenue. This profit can be retained or distributed to shareholders.
97 909 €
97 909 €
6 622 €
9 015 €
7 817 €
6.8%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 75%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
0.906%
75.28%
5.517%
0.109
In 2020, the debt ratio of ANGEL ASSURANCE (0.91) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2020, the financial autonomy of ANGEL ASSURANCE (75.3%) 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 2020, the repayment capacity of ANGEL ASSURANCE (0.11) 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 416.01. 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 5.0x. Financial charges are adequately covered by operations.
416.006
4.968
In 2020, the liquidity ratio of ANGEL ASSURANCE (416.01) 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 2020, the interest coverage of ANGEL ASSURANCE (5.0x) 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) 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: 125 days. Excellent situation: suppliers finance 125 days of the operating cycle (retail model). Overall, WCR represents 164 days of revenue, i.e. 45 k€ to permanently finance. Over 2018-2020, WCR increased by +646%, requiring additional financing.
44 696 €
0 j
125 j
0 j
164 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 28 391€ to 94 554€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 ANGEL ASSURANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ANGEL ASSURANCE in 2020 is 98 k€.
Yes, ANGEL ASSURANCE generated a net profit of 8 k€ in 2020.
The headquarters of ANGEL ASSURANCE is located in SAINT MARTIN (97150), in the department Guadeloupe.
The tax return of ANGEL 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).
ANGEL 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.