SIREN : 377609136
ASSFI is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANGOULEME (16000), this company of category ETI shows in 2024 a revenue of 919 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 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 918 522 € | 915 617 € | 893 591 € | 804 388 € |
| Net income | 457 874 € | 410 886 € | 341 364 € | 240 787 € |
| EBITDA | 590 675 € | 541 472 € | 454 784 € | 320 337 € |
| Net margin | 49.8% | 44.9% | 38.2% | 29.9% |
In 2024, ASSFI achieves revenue of 919 k€. Revenue is growing positively over 4 years (CAGR: +4.5%). Vs 2023: +0%. After deducting consumption (0 €), gross margin stands at 919 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 591 k€, representing 64.3% of revenue. Positive scissor effect: EBITDA margin improves by +5.2 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 458 k€, i.e. 49.8% of revenue. This profit can be retained or distributed to shareholders.
918 522 €
918 522 €
590 675 €
599 229 €
457 874 €
64.1%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 89%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 48.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
88.807%
48.664%
0.0
3.3%
In 2024, the debt ratio of ASSFI (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of ASSFI (88.8%) 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 ASSFI (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 793.85. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
793.846
0.0
In 2024, the liquidity ratio of ASSFI (793.85) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of ASSFI (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 40 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 100 days. Excellent situation: suppliers finance 60 days of the operating cycle (retail model). Overall, WCR represents 36 days of revenue, i.e. 93 k€ to permanently finance.
92 587 €
40 j
100 j
0 j
36 j
Based on 193 transactions of similar company sales (all years), the value of ASSFI is estimated at 812 575 € (range 255 027€ - 3 170 067€). With an EBITDA of 590 675€, 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 ASSFI with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASSFI in 2024 is 919 k€.
Yes, ASSFI generated a net profit of 458 k€ in 2024.
The headquarters of ASSFI is located in ANGOULEME (16000), in the department Charente.
The tax return of ASSFI 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).
ASSFI 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.