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ASSURANCE BONNEFON : revenue, balance sheet and financial ratios

ASSURANCE BONNEFON is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BASSE-TERRE (97100), this company of category PME shows in 2017 a revenue of 527 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ASSURANCE BONNEFON (SIREN 522517259)
Indicator 2021 2017
Revenue N/C 526 918 €
Net income 114 496 € 78 076 €
EBITDA N/C 33 244 €
Net margin N/C 14.8%

Revenue and income statement

In 2021, ASSURANCE BONNEFON generates positive net income of 114 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2021: 78 k€ -> 114 k€.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

114 496 €

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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 14%. 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 50%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

14.026%

Financial autonomy (2021) ?
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

50.09%

Asset age ratio (2021) ?
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

28.5%

Solvency indicators evolution
ASSURANCE BONNEFON

Sector positioning

Debt ratio
14.03 2021
2017
2021
Q1: 0.06
Med: 13.41
Q3: 70.54
Average -25 pts over 2 years

In 2021, the debt ratio of ASSURANCE BONNEFON (14.03) 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
50.09% 2021
2017
2021
Q1: 17.05%
Med: 46.53%
Q3: 72.42%
Good +25 pts over 2 years

In 2021, the financial autonomy of ASSURANCE BONNEFON (50.1%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
1.8 years 2017
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Average

In 2017, the repayment capacity of ASSURANCE BONNEFON (1.80) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 176.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

176.968

Liquidity indicators evolution
ASSURANCE BONNEFON

Sector positioning

Liquidity ratio
176.97 2021
2017
2021
Q1: 121.03
Med: 222.65
Q3: 474.4
Average +33 pts over 2 years

In 2021, the liquidity ratio of ASSURANCE BONNEFON (176.97) 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.

Interest coverage
3.06x 2017
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.77x
Excellent

In 2017, the interest coverage of ASSURANCE BONNEFON (3.1x) 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) and payment terms

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

Operating WCR (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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
ASSURANCE BONNEFON

Positioning of ASSURANCE BONNEFON in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 100 063€ to 915 690€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
100k€ 141k€ 915k€
141 228 € Range: 100 063€ - 915 690€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 ASSURANCE BONNEFON with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ASSURANCE BONNEFON

What is the revenue of ASSURANCE BONNEFON ?

The revenue of ASSURANCE BONNEFON in 2017 is 527 k€.

Is ASSURANCE BONNEFON profitable?

Yes, ASSURANCE BONNEFON generated a net profit of 114 k€ in 2021.

Where is the headquarters of ASSURANCE BONNEFON ?

The headquarters of ASSURANCE BONNEFON is located in BASSE-TERRE (97100), in the department Guadeloupe.

Where to find the tax return of ASSURANCE BONNEFON ?

The tax return of ASSURANCE BONNEFON 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 ASSURANCE BONNEFON operate?

ASSURANCE BONNEFON 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.