ASSURANCE CONSEIL : revenue, balance sheet and financial ratios

ASSURANCE CONSEIL is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BUSSY-SAINT-GEORGES (77600), this company of category PME shows in 2022 a revenue of 809 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - ASSURANCE CONSEIL (SIREN 399888247)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 808 522 € N/C N/C 865 899 € 890 801 € 844 560 € 963 765 €
Net income 27 632 € 29 172 € 23 386 € 12 244 € 8 544 € 20 462 € 12 766 € 11 548 € 10 594 €
EBITDA N/C N/C 28 360 € N/C N/C 6 723 € 33 401 € 20 109 € 19 465 €
Net margin N/C N/C 2.9% N/C N/C 2.4% 1.4% 1.4% 1.1%

Revenue and income statement

In 2024, ASSURANCE CONSEIL generates positive net income of 28 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 11 k€ -> 28 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

27 632 €

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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 48%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 21%. The balance between equity and debt is satisfactory.

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

47.918%

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

21.069%

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

2.3%

Solvency indicators evolution
ASSURANCE CONSEIL

Sector positioning

Debt ratio
47.92 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average

In 2024, the debt ratio of ASSURANCE CONSEIL (47.92) 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
21.07% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average +6 pts over 3 years

In 2024, the financial autonomy of ASSURANCE CONSEIL (21.1%) 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
11.06 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Watch

In 2022, the repayment capacity of ASSURANCE CONSEIL (11.06) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 158.96. 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

158.964

Liquidity indicators evolution
ASSURANCE CONSEIL

Sector positioning

Liquidity ratio
158.96 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average -6 pts over 3 years

In 2024, the liquidity ratio of ASSURANCE CONSEIL (158.96) 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
8.38x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of ASSURANCE CONSEIL (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) 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
ASSURANCE CONSEIL

Positioning of ASSURANCE CONSEIL 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 ASSURANCE CONSEIL is estimated at 55 614 € (range 26 306€ - 253 928€). 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
26k€ 55k€ 253k€
55 614 € Range: 26 306€ - 253 928€
NAF 5 all-time

Valuation method used

Net Income Multiple
27 632 € × 2.0x = 55 614 €
Range: 26 307€ - 253 928€

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 ASSURANCE CONSEIL 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 CONSEIL

What is the revenue of ASSURANCE CONSEIL ?

The revenue of ASSURANCE CONSEIL in 2022 is 809 k€.

Is ASSURANCE CONSEIL profitable?

Yes, ASSURANCE CONSEIL generated a net profit of 28 k€ in 2024.

Where is the headquarters of ASSURANCE CONSEIL ?

The headquarters of ASSURANCE CONSEIL is located in BUSSY-SAINT-GEORGES (77600), in the department Seine-et-Marne.

Where to find the tax return of ASSURANCE CONSEIL ?

The tax return of ASSURANCE CONSEIL 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 CONSEIL operate?

ASSURANCE CONSEIL 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.