SIREN : 884162140
AR ASSURANCES is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LILLE (59800), this company of category PME shows in 2021 a revenue of 331 k€. 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 | 2021 | 2020 |
|---|---|---|
| Revenue | 330 923 € | 131 102 € |
| Net income | 49 326 € | -5 922 € |
| EBITDA | 61 596 € | 12 930 € |
| Net margin | 14.9% | -4.5% |
In 2021, AR ASSURANCES achieves revenue of 331 k€. Vs 2020, growth of +152% (131 k€ -> 331 k€). After deducting consumption (0 €), gross margin stands at 331 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 62 k€, representing 18.6% of revenue. Positive scissor effect: EBITDA margin improves by +8.8 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 49 k€, i.e. 14.9% of revenue. This profit can be retained or distributed to shareholders.
330 923 €
330 923 €
61 596 €
56 231 €
49 326 €
18.6%
The debt ratio (= Financial debt / Equity x 100) stands at 166%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 15.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
165.654%
36.259%
15.028%
6.809
94.2%
In 2021, the debt ratio of AR ASSURANCES (165.65) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2021, the financial autonomy of AR ASSURANCES (36.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of AR ASSURANCES (6.81) 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 222.80. 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 11.2x. Operating income very largely covers interest expenses: high safety margin.
222.803
11.213
In 2021, the liquidity ratio of AR ASSURANCES (222.80) 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 2021, the interest coverage of AR ASSURANCES (11.2x) 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. WCR is negative (-18 days): operations structurally generate cash.
-16 563 €
0 j
0 j
0 j
-18 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 56 240€ to 281 290€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 44 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 AR ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AR ASSURANCES in 2021 is 331 k€.
Yes, AR ASSURANCES generated a net profit of 49 k€ in 2021.
The headquarters of AR ASSURANCES is located in LILLE (59800), in the department Nord.
The tax return of AR 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).
AR 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.