SIREN : 400920955
APA ASSURANCE is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in GRADIGNAN (33170), this company of category PME shows in 2024 a revenue of 5.7 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 5 668 221 € | 3 364 871 € | N/C | N/C | N/C | N/C | 1 725 082 € |
| Net income | 1 906 082 € | 489 280 € | 296 391 € | 201 116 € | 184 070 € | 197 226 € | 112 026 € |
| EBITDA | 2 569 273 € | 765 994 € | N/C | N/C | N/C | N/C | 164 522 € |
| Net margin | 33.6% | 14.5% | N/C | N/C | N/C | N/C | 6.5% |
In 2024, APA ASSURANCE achieves revenue of 5.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +16.0%. Vs 2022, growth of +68% (3.4 M€ -> 5.7 M€). After deducting consumption (0 €), gross margin stands at 5.7 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 2.6 M€, representing 45.3% of revenue. Positive scissor effect: EBITDA margin improves by +22.6 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.9 M€, i.e. 33.6% of revenue. This profit can be retained or distributed to shareholders.
5 668 221 €
5 668 221 €
2 569 273 €
2 483 737 €
1 906 082 €
45.3%
The debt ratio (= Financial debt / Equity x 100) stands at 10%. 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 67%. 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 34.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
10.327%
66.644%
34.181%
0.125
55.6%
In 2024, the debt ratio of APA ASSURANCE (10.33) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of APA ASSURANCE (66.6%) 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 APA ASSURANCE (0.12) 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 298.43. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
298.434
0.268
In 2024, the liquidity ratio of APA ASSURANCE (298.43) 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 APA ASSURANCE (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. Excellent situation: suppliers finance 72 days of the operating cycle (retail model). WCR is negative (-24 days): operations structurally generate cash. Notable WCR improvement over the period (-1826%), freeing up cash.
-383 002 €
0 j
72 j
0 j
-24 j
Based on 193 transactions of similar company sales (all years), the value of APA ASSURANCE is estimated at 3 993 098 € (range 1 230 506€ - 14 548 687€). With an EBITDA of 2 569 273€, 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 APA ASSURANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of APA ASSURANCE in 2024 is 5.7 M€.
Yes, APA ASSURANCE generated a net profit of 1.9 M€ in 2024.
The headquarters of APA ASSURANCE is located in GRADIGNAN (33170), in the department Gironde.
The tax return of APA 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).
APA 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.