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ASSUR-ABO : revenue, balance sheet and financial ratios

ASSUR-ABO is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AIRE-SUR-L'ADOUR (40800), this company of category PME shows in 2020 a revenue of 67 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 - ASSUR-ABO (SIREN 824464119)
Indicator 2022 2020
Revenue N/C 67 212 €
Net income -73 433 € -51 347 €
EBITDA N/C -43 032 €
Net margin N/C -76.4%

Revenue and income statement

In 2022, ASSUR-ABO records a net loss of 73 k€. This deficit will reduce equity on the balance sheet.

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-73 433 €

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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 202%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

201.509%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-1.467

Asset age ratio (2022) ?
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

99.5%

Solvency indicators evolution
ASSUR-ABO

Sector positioning

Debt ratio
201.51 2022
2020
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Average +50 pts over 2 years

In 2022, the debt ratio of ASSUR-ABO (201.51) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
-23.66% 2020
2020
Q1: 17.1%
Med: 45.63%
Q3: 71.57%
Average

In 2020, the financial autonomy of ASSUR-ABO (-23.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
-1.47 years 2022
2020
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Excellent

In 2022, the repayment capacity of ASSUR-ABO (-1.47) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 70.91. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

70.905

Liquidity indicators evolution
ASSUR-ABO

Sector positioning

Liquidity ratio
70.91 2022
2020
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Watch -7 pts over 2 years

In 2022, the liquidity ratio of ASSUR-ABO (70.91) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-5.52x 2020
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Average

In 2020, the interest coverage of ASSUR-ABO (-5.5x) 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 (2022) ?
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 (2022) ?
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 (2022) ?
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 (2022) ?
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
ASSUR-ABO

Positioning of ASSUR-ABO in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare ASSUR-ABO with other companies in the same sector:

Frequently asked questions about ASSUR-ABO

What is the revenue of ASSUR-ABO ?

The revenue of ASSUR-ABO in 2020 is 67 k€.

Is ASSUR-ABO profitable?

ASSUR-ABO recorded a net loss in 2022.

Where is the headquarters of ASSUR-ABO ?

The headquarters of ASSUR-ABO is located in AIRE-SUR-L'ADOUR (40800), in the department Landes.

Where to find the tax return of ASSUR-ABO ?

The tax return of ASSUR-ABO 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 ASSUR-ABO operate?

ASSUR-ABO 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.