Employees: 12 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 2015-06-01 (10 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: PERPIGNAN (66100), Pyrenees-Orientales
+ ASSURANCES : revenue, balance sheet and financial ratios
+ ASSURANCES is a French company
founded 10 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in PERPIGNAN (66100),
this company of category PME
shows in 2019 a revenue of 989 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - + ASSURANCES (SIREN 811719053)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
Revenue
N/C
N/C
N/C
N/C
N/C
988 892 €
1 117 473 €
743 953 €
Net income
292 594 €
222 176 €
242 658 €
100 195 €
120 665 €
-225 009 €
-1 657 €
-1 147 €
EBITDA
N/C
N/C
N/C
N/C
N/C
-188 406 €
20 028 €
842 €
Net margin
N/C
N/C
N/C
N/C
N/C
-22.8%
-0.1%
-0.2%
Revenue and income statement
In 2024, + ASSURANCES generates positive net income of 293 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
292 594 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 175%. 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 31%. 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
175.357%
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
30.618%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
363.784
117.32
-216.277
489.918
109.953
62.475
96.91
175.357
Financial autonomy
9.899
32.45
-23.635
8.054
22.338
36.027
38.825
30.618
Repayment capacity
-50.742
19.321
-0.668
None
None
None
None
None
Cash flow / Revenue
-0.23%
0.776%
-20.812%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
175.362024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Watch
In 2024, the debt ratio of + ASSURANCES (175.36) 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.
Financial autonomy
30.62%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average
In 2024, the financial autonomy of + ASSURANCES (30.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 299.18. 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
299.178
Liquidity indicators evolution + ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
150.379
283.929
74.724
99.405
125.61
165.754
292.449
299.178
Interest coverage
160.926
12.178
-1.392
None
None
None
None
None
Sector positioning
Liquidity ratio
299.182024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good+19 pts over 3 years
In 2024, the liquidity ratio of + ASSURANCES (299.18) 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.
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 + ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
67 819 €
204 464 €
9 029 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
Customer payment term (days)
3
0
0
0
0
0
0
0
Supplier payment term (days)
34
16
45
0
0
0
0
0
Positioning of + ASSURANCES 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 + ASSURANCES is estimated at
588 894 €
(range 278 558€ - 2 688 834€).
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 value2024
193 transactions
278k€588k€2688k€
588 894 €Range: 278 558€ - 2 688 834€
NAF 5 all-time
Valuation method used
Net Income Multiple
292 594 €
×
2.0x
=588 895 €
Range: 278 559€ - 2 688 834€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 + ASSURANCES with other companies in the same sector:
Yes, + ASSURANCES generated a net profit of 293 k€ in 2024.
Where is the headquarters of + ASSURANCES ?
The headquarters of + ASSURANCES is located in PERPIGNAN (66100), in the department Pyrenees-Orientales.
Where to find the tax return of + ASSURANCES ?
The tax return of + ASSURANCES 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 + ASSURANCES operate?
+ ASSURANCES 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.
Item evolution
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