Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

ARMORIK ASSURANCES ET PATRIMOINE : revenue, balance sheet and financial ratios

ARMORIK ASSURANCES ET PATRIMOINE is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LANGUEUX (22360), this company of category PME shows in 2024 a net income positive of 215 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ARMORIK ASSURANCES ET PATRIMOINE (SIREN 898571971)
Indicator 2024 2023
Revenue N/C N/C
Net income 215 116 € 151 845 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2024, ARMORIK ASSURANCES ET PATRIMOINE generates positive net income of 215 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2023-2024: 152 k€ -> 215 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

215 116 €

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Chart evolution

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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 119%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 40%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

118.659%

Financial autonomy (2024) ?
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

40.046%

Asset age ratio (2024) ?
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

45.6%

Solvency indicators evolution
ARMORIK ASSURANCES ET PATRIMOINE

Sector positioning

Debt ratio
118.66 2024
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Watch

In 2024, the debt ratio of ARMORIK ASSURANCES ET PAT... (118.66) 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.

Financial autonomy
40.05% 2024
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of ARMORIK ASSURANCES ET PAT... (40.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 244.66. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

244.663

Liquidity indicators evolution
ARMORIK ASSURANCES ET PATRIMOINE

Sector positioning

Liquidity ratio
244.66 2024
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good -20 pts over 2 years

In 2024, the liquidity ratio of ARMORIK ASSURANCES ET PAT... (244.66) 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.

Positioning of ARMORIK ASSURANCES ET PATRIMOINE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of ARMORIK ASSURANCES ET PATRIMOINE is estimated at 432 957 € (range 204 797€ - 1 976 838€). 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.

Estimated enterprise value 2024
193 transactions
204k€ 432k€ 1976k€
432 957 € Range: 204 797€ - 1 976 838€
NAF 5 all-time

Valuation method used

Net Income Multiple
215 116 € × 2.0x = 432 957 €
Range: 204 797€ - 1 976 839€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

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.

  • 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 ARMORIK ASSURANCES ET PATRIMOINE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ARMORIK ASSURANCES ET PATRIMOINE

What is the revenue of ARMORIK ASSURANCES ET PATRIMOINE ?

The revenue of ARMORIK ASSURANCES ET PATRIMOINE is not publicly disclosed (confidential accounts filed with INPI).

Is ARMORIK ASSURANCES ET PATRIMOINE profitable?

Yes, ARMORIK ASSURANCES ET PATRIMOINE generated a net profit of 215 k€ in 2024.

Where is the headquarters of ARMORIK ASSURANCES ET PATRIMOINE ?

The headquarters of ARMORIK ASSURANCES ET PATRIMOINE is located in LANGUEUX (22360), in the department Cotes-d'Armor.

Where to find the tax return of ARMORIK ASSURANCES ET PATRIMOINE ?

The tax return of ARMORIK ASSURANCES ET PATRIMOINE 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 ARMORIK ASSURANCES ET PATRIMOINE operate?

ARMORIK ASSURANCES ET PATRIMOINE 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.