SIREN : 432253706
ASSET ASSURANCES is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ERMONT (95120), this company of category PME shows in 2024 a revenue of 206 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
| Indicator | 2024 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|
| Revenue | 206 181 € | 141 868 € | 144 195 € | 153 171 € | 152 863 € |
| Net income | 40 209 € | -29 639 € | -24 326 € | -10 334 € | -17 930 € |
| EBITDA | 47 506 € | -21 912 € | -13 773 € | -4 956 € | -7 868 € |
| Net margin | 19.5% | -20.9% | -16.9% | -6.7% | -11.7% |
In 2024, ASSET ASSURANCES achieves revenue of 206 k€. Revenue is growing positively over 5 years (CAGR: +4.4%). Vs 2020, growth of +45% (142 k€ -> 206 k€). After deducting consumption (0 €), gross margin stands at 206 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 48 k€, representing 23.0% of revenue. Positive scissor effect: EBITDA margin improves by +38.5 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 40 k€, i.e. 19.5% of revenue. This profit can be retained or distributed to shareholders.
206 181 €
206 181 €
47 506 €
47 130 €
40 209 €
23.0%
The debt ratio (= Financial debt / Equity x 100) stands at 23%. 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 79%. 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 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 19.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
22.988%
79.495%
19.502%
2.01
In 2024, the debt ratio of ASSET ASSURANCES (22.99) 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 ASSET ASSURANCES (79.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of ASSET ASSURANCES (2.01) 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 195.88. 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 8.5x. Operating income very largely covers interest expenses: high safety margin.
195.876
8.487
In 2024, the liquidity ratio of ASSET ASSURANCES (195.88) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of ASSET ASSURANCES (8.5x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. Favorable situation: supplier credit is longer than customer credit by 6 days. WCR is negative (-13 days): operations structurally generate cash. Over 2017-2024, WCR increased by +68%, requiring additional financing.
-7 618 €
1 j
7 j
0 j
-13 j
Based on 193 transactions of similar company sales (all years), the value of ASSET ASSURANCES is estimated at 105 709 € (range 32 029€ - 333 700€). With an EBITDA of 47 506€, 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 ASSET ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASSET ASSURANCES in 2024 is 206 k€.
Yes, ASSET ASSURANCES generated a net profit of 40 k€ in 2024.
The headquarters of ASSET ASSURANCES is located in ERMONT (95120), in the department Val-d'Oise.
The tax return of ASSET 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).
ASSET 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.