ASSURANCES ALAIN ET FRANCK LEGLAND : revenue, balance sheet and financial ratios

ASSURANCES ALAIN ET FRANCK LEGLAND is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CYSOING (59830), this company of category PME shows in 2024 a revenue of 442 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 - ASSURANCES ALAIN ET FRANCK LEGLAND (SIREN 484627328)
Indicator 2024 2023 2022 2021 2020 2019 2017 2016
Revenue 441 682 € 399 530 € 394 708 € 393 287 € 358 951 € 351 662 € 322 040 € 320 107 €
Net income 33 059 € 30 033 € 22 179 € 34 342 € 20 845 € 28 705 € 18 081 € 32 905 €
EBITDA 42 630 € 33 900 € 26 705 € 28 625 € 37 233 € 29 412 € 21 295 € 37 677 €
Net margin 7.5% 7.5% 5.6% 8.7% 5.8% 8.2% 5.6% 10.3%

Revenue and income statement

In 2024, ASSURANCES ALAIN ET FRANCK LEGLAND achieves revenue of 442 k€. Revenue is growing positively over 8 years (CAGR: +4.1%). Vs 2023, growth of +11% (400 k€ -> 442 k€). After deducting consumption (0 €), gross margin stands at 442 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 43 k€, representing 9.7% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 33 k€, i.e. 7.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

441 682 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

441 682 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

42 630 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

39 536 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

33 059 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

9.7%

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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 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 8.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

0.0%

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

0.0%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

8.936%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.0

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

64.6%

Solvency indicators evolution
ASSURANCES ALAIN ET FRANCK LEGLAND

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent -29 pts over 3 years

In 2024, the debt ratio of ASSURANCES ALAIN ET FRANC... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of ASSURANCES ALAIN ET FRANC... (0.0%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of ASSURANCES ALAIN ET FRANC... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 487.66. 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

487.662

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
ASSURANCES ALAIN ET FRANCK LEGLAND

Sector positioning

Liquidity ratio
487.66 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +25 pts over 3 years

In 2024, the liquidity ratio of ASSURANCES ALAIN ET FRANC... (487.66) 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.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average -50 pts over 3 years

In 2024, the interest coverage of ASSURANCES ALAIN ET FRANC... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. Favorable situation: supplier credit is longer than customer credit by 9 days. WCR is negative (-20 days): operations structurally generate cash. Over 2016-2024, WCR increased by +56%, requiring additional financing.

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

-24 474 €

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

9 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-20 j

WCR and payment terms evolution
ASSURANCES ALAIN ET FRANCK LEGLAND

Positioning of ASSURANCES ALAIN ET FRANCK LEGLAND 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 ALAIN ET FRANCK LEGLAND is estimated at 169 288 € (range 49 261€ - 434 581€). With an EBITDA of 42 630€, 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.

Estimated enterprise value 2024
193 transactions
49k€ 169k€ 434k€
169 288 € Range: 49 261€ - 434 581€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
42 630 € × 1.2x
Estimation 51 610 €
13 330€ - 263 433€
Revenue Multiple 30%
441 682 € × 0.98x
Estimation 433 921 €
121 006€ - 807 018€
Net Income Multiple 20%
33 059 € × 2.0x
Estimation 66 537 €
31 473€ - 303 800€

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 ASSURANCES ALAIN ET FRANCK LEGLAND with other companies in the same sector:

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

Frequently asked questions about ASSURANCES ALAIN ET FRANCK LEGLAND

What is the revenue of ASSURANCES ALAIN ET FRANCK LEGLAND ?

The revenue of ASSURANCES ALAIN ET FRANCK LEGLAND in 2024 is 442 k€.

Is ASSURANCES ALAIN ET FRANCK LEGLAND profitable?

Yes, ASSURANCES ALAIN ET FRANCK LEGLAND generated a net profit of 33 k€ in 2024.

Where is the headquarters of ASSURANCES ALAIN ET FRANCK LEGLAND ?

The headquarters of ASSURANCES ALAIN ET FRANCK LEGLAND is located in CYSOING (59830), in the department Nord.

Where to find the tax return of ASSURANCES ALAIN ET FRANCK LEGLAND ?

The tax return of ASSURANCES ALAIN ET FRANCK LEGLAND 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 ALAIN ET FRANCK LEGLAND operate?

ASSURANCES ALAIN ET FRANCK LEGLAND 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.