ASSUMINUTE : revenue, balance sheet and financial ratios

ASSUMINUTE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in EPINAY-SUR-SEINE (93800), this company of category PME shows in 2021 a revenue of 548 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

Financial history - ASSUMINUTE (SIREN 499796191)
Indicator 2024 2023 2021 2016
Revenue N/C N/C 547 683 € 631 534 €
Net income 494 310 € 392 371 € 186 676 € 164 269 €
EBITDA N/C N/C 223 211 € 194 519 €
Net margin N/C N/C 34.1% 26.0%

Revenue and income statement

In 2024, ASSUMINUTE generates positive net income of 494 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 164 k€ -> 494 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

494 310 €

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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 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 87%. 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

0.104%

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

87.101%

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

48.7%

Solvency indicators evolution
ASSUMINUTE

Sector positioning

Debt ratio
0.1 2024
2021
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good

In 2024, the debt ratio of ASSUMINUTE (0.10) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
87.1% 2024
2021
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of ASSUMINUTE (87.1%) 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.

Repayment capacity
0.0 years 2021
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.51 years
Good

In 2021, the repayment capacity of ASSUMINUTE (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 737.18. 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

737.177

Liquidity indicators evolution
ASSUMINUTE

Sector positioning

Liquidity ratio
737.18 2024
2021
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent

In 2024, the liquidity ratio of ASSUMINUTE (737.18) 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.

Interest coverage
0.0x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Average

In 2021, the interest coverage of ASSUMINUTE (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 and payment terms evolution
ASSUMINUTE

Positioning of ASSUMINUTE 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 ASSUMINUTE is estimated at 994 882 € (range 470 598€ - 4 542 531€). 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
470k€ 994k€ 4542k€
994 882 € Range: 470 598€ - 4 542 531€
NAF 5 all-time

Valuation method used

Net Income Multiple
494 310 € × 2.0x = 994 883 €
Range: 470 599€ - 4 542 532€

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 ASSUMINUTE with other companies in the same sector:

Frequently asked questions about ASSUMINUTE

What is the revenue of ASSUMINUTE ?

The revenue of ASSUMINUTE in 2021 is 548 k€.

Is ASSUMINUTE profitable?

Yes, ASSUMINUTE generated a net profit of 494 k€ in 2024.

Where is the headquarters of ASSUMINUTE ?

The headquarters of ASSUMINUTE is located in EPINAY-SUR-SEINE (93800), in the department Seine-Saint-Denis.

Where to find the tax return of ASSUMINUTE ?

The tax return of ASSUMINUTE 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 ASSUMINUTE operate?

ASSUMINUTE 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.