SIREN : 813681780
ASSUR-TEMPO is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARSEILLE (13002), this company of category PME shows in 2016 a revenue of 66 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2016 |
|---|---|
| Revenue | 65 578 € |
| Net income | 4 594 € |
| EBITDA | 8 588 € |
| Net margin | 7.0% |
In 2016, ASSUR-TEMPO achieves revenue of 66 k€. After deducting consumption (0 €), gross margin stands at 66 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 9 k€, representing 13.1% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 5 k€, i.e. 7.0% of revenue. This profit can be retained or distributed to shareholders.
65 578 €
65 578 €
8 588 €
6 126 €
4 594 €
13.1%
The debt ratio (= Financial debt / Equity x 100) stands at 470%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 10.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
469.749%
15.239%
10.787%
3.117
85.6%
In 2016, the debt ratio of ASSUR-TEMPO (469.75) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2016, the financial autonomy of ASSUR-TEMPO (15.2%) 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 2016, the repayment capacity of ASSUR-TEMPO (3.12) 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 272.04. 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 8.4x. Operating income very largely covers interest expenses: high safety margin.
272.041
8.395
In 2016, the liquidity ratio of ASSUR-TEMPO (272.04) 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 2016, the interest coverage of ASSUR-TEMPO (8.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-15 days): operations structurally generate cash.
-2 753 €
0 j
7 j
0 j
-15 j
Based on 193 transactions of similar company sales (all years), the value of ASSUR-TEMPO is estimated at 26 375 € (range 7 607€ - 70 924€). With an EBITDA of 8 588€, 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 ASSUR-TEMPO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASSUR-TEMPO in 2016 is 66 k€.
Yes, ASSUR-TEMPO generated a net profit of 5 k€ in 2016.
The headquarters of ASSUR-TEMPO is located in MARSEILLE (13002), in the department Bouches-du-Rhone.
The tax return of ASSUR-TEMPO 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).
ASSUR-TEMPO 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.