SIREN : 388736159
ASSURANCE UNIE is a French company founded 33 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LAGNY-SUR-MARNE (77400), this company of category PME shows in 2024 a revenue of 5.1 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5 121 001 € | 5 338 424 € | 5 399 119 € | 5 060 842 € | 4 100 380 € | 3 794 475 € | 3 563 775 € | 3 418 667 € | 3 519 541 € |
| Net income | 1 640 211 € | 1 757 228 € | 1 872 419 € | 1 001 882 € | 541 745 € | 600 626 € | 303 202 € | 775 991 € | 415 334 € |
| EBITDA | 1 627 373 € | 1 831 364 € | 1 957 790 € | 1 449 437 € | 773 757 € | 453 760 € | 334 481 € | 615 605 € | 544 131 € |
| Net margin | 32.0% | 32.9% | 34.7% | 19.8% | 13.2% | 15.8% | 8.5% | 22.7% | 11.8% |
In 2024, ASSURANCE UNIE achieves revenue of 5.1 M€. Revenue is growing positively over 9 years (CAGR: +4.8%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 5.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.6 M€, representing 31.8% of revenue. Warning negative scissor effect: despite revenue change (-4%), EBITDA varies by -11%, reducing margin by 2.5 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.6 M€, i.e. 32.0% of revenue. This profit can be retained or distributed to shareholders.
5 121 001 €
5 121 001 €
1 627 373 €
1 485 854 €
1 640 211 €
31.7%
The debt ratio (= Financial debt / Equity x 100) stands at 29%. 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 27%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 25.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
28.839%
26.939%
25.197%
0.375
27.5%
In 2024, the debt ratio of ASSURANCE UNIE (28.84) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of ASSURANCE UNIE (26.9%) 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 2024, the repayment capacity of ASSURANCE UNIE (0.38) 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 140.46. 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 1.8x. Coverage is limited: any activity downturn would jeopardize interest payments.
140.46
1.79
In 2024, the liquidity ratio of ASSURANCE UNIE (140.46) 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.
In 2024, the interest coverage of ASSURANCE UNIE (1.8x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 679 days. Excellent situation: suppliers finance 679 days of the operating cycle (retail model). WCR is negative (-25 days): operations structurally generate cash. Notable WCR improvement over the period (-176%), freeing up cash.
-350 174 €
0 j
679 j
0 j
-25 j
Based on 193 transactions of similar company sales (all years), the value of ASSURANCE UNIE is estimated at 3 154 637 € (range 987 641€ - 10 849 832€). With an EBITDA of 1 627 373€, 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 ASSURANCE UNIE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASSURANCE UNIE in 2024 is 5.1 M€.
Yes, ASSURANCE UNIE generated a net profit of 1.6 M€ in 2024.
The headquarters of ASSURANCE UNIE is located in LAGNY-SUR-MARNE (77400), in the department Seine-et-Marne.
The tax return of ASSURANCE UNIE 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).
ASSURANCE UNIE 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.