SIREN : 437838550
ARNOUX ASSUR is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AIX-EN-PROVENCE (13100), this company of category PME shows in 2017 a revenue of 270 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 | 2017 | 2016 |
|---|---|---|
| Revenue | 269 843 € | 215 501 € |
| Net income | 26 899 € | 20 562 € |
| EBITDA | 33 805 € | 45 079 € |
| Net margin | 10.0% | 9.5% |
In 2017, ARNOUX ASSUR achieves revenue of 270 k€. Vs 2016, growth of +25% (216 k€ -> 270 k€). After deducting consumption (0 €), gross margin stands at 270 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 34 k€, representing 12.5% of revenue. Warning negative scissor effect: despite revenue change (+25%), EBITDA varies by -25%, reducing margin by 8.4 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 27 k€, i.e. 10.0% of revenue. This profit can be retained or distributed to shareholders.
269 843 €
269 843 €
33 805 €
32 484 €
26 899 €
12.5%
The debt ratio (= Financial debt / Equity x 100) stands at 79%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 10.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
79.355%
34.129%
10.374%
2.757
5.2%
In 2017, the debt ratio of ARNOUX ASSUR (79.36) 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 2017, the financial autonomy of ARNOUX ASSUR (34.1%) 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 2017, the repayment capacity of ARNOUX ASSUR (2.76) 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 254.33. 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 3.2x. Financial charges are adequately covered by operations.
254.329
3.224
In 2017, the liquidity ratio of ARNOUX ASSUR (254.33) 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 2017, the interest coverage of ARNOUX ASSUR (3.2x) 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. Average customer payment term: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 148 days. Excellent situation: suppliers finance 139 days of the operating cycle (retail model). WCR is negative (-46 days): operations structurally generate cash.
-34 435 €
9 j
148 j
0 j
-46 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 38 704€ to 247 370€ 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 ARNOUX ASSUR with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ARNOUX ASSUR in 2017 is 270 k€.
Yes, ARNOUX ASSUR generated a net profit of 27 k€ in 2017.
The headquarters of ARNOUX ASSUR is located in AIX-EN-PROVENCE (13100), in the department Bouches-du-Rhone.
The tax return of ARNOUX ASSUR 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).
ARNOUX ASSUR 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.