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ASSURANCE SERVICE COURTAGE INFORMATIQUE : revenue, balance sheet and financial ratios

ASSURANCE SERVICE COURTAGE INFORMATIQUE is a French company founded 8 years ago, specialized in the sector Edition de logiciels applicatifs. Based in RENNES (35000), this company of category PME shows in 2021 a net income positive of 2 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - ASSURANCE SERVICE COURTAGE INFORMATIQUE (SIREN 830642138)
Indicator 2021 2020 2019
Revenue N/C N/C N/C
Net income 1 812 € -532 € 732 €
EBITDA N/C N/C N/C
Net margin N/C N/C N/C

Revenue and income statement

In 2021, ASSURANCE SERVICE COURTAGE INFORMATIQUE generates positive net income of 2 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2021: 732 € -> 2 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

1 812 €

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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 23%. 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 67%. 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

22.686%

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

66.931%

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

4.4%

Solvency indicators evolution
ASSURANCE SERVICE COURTAGE INFORMATIQUE

Sector positioning

Debt ratio
22.69 2021
2019
2020
2021
Q1: 0.0
Med: 8.45
Q3: 60.06
Average -10 pts over 3 years

In 2021, the debt ratio of ASSURANCE SERVICE COURTAG... (22.69) 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
66.93% 2021
2019
2020
2021
Q1: 14.18%
Med: 38.58%
Q3: 59.72%
Excellent

In 2021, the financial autonomy of ASSURANCE SERVICE COURTAG... (66.9%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 74.13. 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

74.13

Liquidity indicators evolution
ASSURANCE SERVICE COURTAGE INFORMATIQUE

Sector positioning

Liquidity ratio
74.13 2021
2019
2020
2021
Q1: 147.76
Med: 257.01
Q3: 417.64
Watch -36 pts over 3 years

In 2021, the liquidity ratio of ASSURANCE SERVICE COURTAG... (74.13) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 26 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 768 days. Excellent situation: suppliers finance 742 days of the operating cycle (retail model).

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

26 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

768 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 SERVICE COURTAGE INFORMATIQUE

Positioning of ASSURANCE SERVICE COURTAGE INFORMATIQUE in its sector

Comparison with sector Edition de logiciels applicatifs

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of ASSURANCE SERVICE COURTAGE INFORMATIQUE is estimated at 2 202 € (range 821€ - 7 302€). 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 2021
103 transactions
0k€ 2k€ 7k€
2 202 € Range: 821€ - 7 302€
NAF 5 all-time

Valuation method used

Net Income Multiple
1 812 € × 1.2x = 2 202 €
Range: 822€ - 7 303€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Edition de logiciels applicatifs)

Compare ASSURANCE SERVICE COURTAGE INFORMATIQUE with other companies in the same sector:

Voir toutes les statistiques du secteur Edition de logiciels applicatifs

Frequently asked questions about ASSURANCE SERVICE COURTAGE INFORMATIQUE

What is the revenue of ASSURANCE SERVICE COURTAGE INFORMATIQUE ?

The revenue of ASSURANCE SERVICE COURTAGE INFORMATIQUE is not publicly disclosed (confidential accounts filed with INPI).

Is ASSURANCE SERVICE COURTAGE INFORMATIQUE profitable?

Yes, ASSURANCE SERVICE COURTAGE INFORMATIQUE generated a net profit of 2 k€ in 2021.

Where is the headquarters of ASSURANCE SERVICE COURTAGE INFORMATIQUE ?

The headquarters of ASSURANCE SERVICE COURTAGE INFORMATIQUE is located in RENNES (35000), in the department Ille-et-Vilaine.

Where to find the tax return of ASSURANCE SERVICE COURTAGE INFORMATIQUE ?

The tax return of ASSURANCE SERVICE COURTAGE INFORMATIQUE 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 SERVICE COURTAGE INFORMATIQUE operate?

ASSURANCE SERVICE COURTAGE INFORMATIQUE operates in the sector Edition de logiciels applicatifs (NAF code 58.29C). See the 'Sector positioning' section above to compare the company with its competitors.