ARCHANGEL ASSURANCES : revenue, balance sheet and financial ratios

ARCHANGEL ASSURANCES is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NEUILLY-PLAISANCE (93360), this company of category PME shows in 2021 a revenue of 489 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 - ARCHANGEL ASSURANCES (SIREN 520678905)
Indicator 2021 2020 2019 2018 2017 2014
Revenue 488 846 € 384 082 € 277 471 € 227 117 € 163 369 € 144 298 €
Net income 706 € 7 884 € 19 809 € -4 883 € 5 447 € 1 277 €
EBITDA 13 827 € 25 031 € 30 454 € -2 297 € 8 427 € 1 034 €
Net margin 0.1% 2.1% 7.1% -2.1% 3.3% 0.9%

Revenue and income statement

In 2021, ARCHANGEL ASSURANCES achieves revenue of 489 k€. Over the period 2014-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +19.0%. Vs 2020, growth of +27% (384 k€ -> 489 k€). After deducting consumption (0 €), gross margin stands at 489 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 14 k€, representing 2.8% of revenue. Warning negative scissor effect: despite revenue change (+27%), EBITDA varies by -45%, reducing margin by 3.7 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 706 €, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

488 846 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

488 846 €

EBITDA (2021) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

13 827 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

3 910 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

706 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.8%

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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 110%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 30.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

110.477%

Financial autonomy (2021) ?
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

31.184%

Cash flow / Revenue (2021) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

0.344%

Repayment capacity (2021) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

30.093

Asset age ratio (2021) ?
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

36.0%

Solvency indicators evolution
ARCHANGEL ASSURANCES

Sector positioning

Debt ratio
110.48 2021
2019
2020
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Average +9 pts over 3 years

In 2021, the debt ratio of ARCHANGEL ASSURANCES (110.48) 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
31.18% 2021
2019
2020
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Average -14 pts over 3 years

In 2021, the financial autonomy of ARCHANGEL ASSURANCES (31.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
30.09 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.52 years
Watch +14 pts over 3 years

In 2021, the repayment capacity of ARCHANGEL ASSURANCES (30.09) 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 265.12. 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.

Liquidity ratio (2021) ?
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

265.117

Interest coverage (2021) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.376

Liquidity indicators evolution
ARCHANGEL ASSURANCES

Sector positioning

Liquidity ratio
265.12 2021
2019
2020
2021
Q1: 120.97
Med: 222.61
Q3: 474.51
Good

In 2021, the liquidity ratio of ARCHANGEL ASSURANCES (265.12) 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.

Interest coverage
0.38x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Good -16 pts over 3 years

In 2021, the interest coverage of ARCHANGEL ASSURANCES (0.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 23 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 10 days. The company must finance 13 days of gap between collections and payments. Overall, WCR represents 36 days of revenue, i.e. 49 k€ to permanently finance. Over 2014-2021, WCR increased by +1052%, requiring additional financing.

Operating WCR (2021) ?
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

49 178 €

Customer credit (2021) ?
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

23 j

Supplier credit (2021) ?
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

10 j

Inventory turnover (2021) ?
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 in days of revenue (2021) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

36 j

WCR and payment terms evolution
ARCHANGEL ASSURANCES

Positioning of ARCHANGEL ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 63 967€ to 286 720€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
63k€ 246k€ 286k€
246 093 € Range: 63 967€ - 286 720€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

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.

  • 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 ARCHANGEL 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 ARCHANGEL ASSURANCES

What is the revenue of ARCHANGEL ASSURANCES ?

The revenue of ARCHANGEL ASSURANCES in 2021 is 489 k€.

Is ARCHANGEL ASSURANCES profitable?

Yes, ARCHANGEL ASSURANCES generated a net profit of 706€ in 2021.

Where is the headquarters of ARCHANGEL ASSURANCES ?

The headquarters of ARCHANGEL ASSURANCES is located in NEUILLY-PLAISANCE (93360), in the department Seine-Saint-Denis.

Where to find the tax return of ARCHANGEL ASSURANCES ?

The tax return of ARCHANGEL 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 ARCHANGEL ASSURANCES operate?

ARCHANGEL 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.