ASSURANCES ET REASSURANCES TECHNIQUES : revenue, balance sheet and financial ratios

ASSURANCES ET REASSURANCES TECHNIQUES is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2023 a revenue of 1.0 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

Financial history - ASSURANCES ET REASSURANCES TECHNIQUES (SIREN 377682943)
Indicator 2023 2022 2021 2020 2019 2017
Revenue 1 013 265 € 966 585 € 850 436 € 868 898 € 1 110 261 € 956 534 €
Net income 136 151 € 142 103 € 52 330 € 292 144 € 206 481 € 83 796 €
EBITDA 190 266 € 193 895 € 86 343 € 181 341 € 257 125 € 95 407 €
Net margin 13.4% 14.7% 6.2% 33.6% 18.6% 8.8%

Revenue and income statement

In 2023, ASSURANCES ET REASSURANCES TECHNIQUES achieves revenue of 1.0 M€. Revenue is growing positively over 6 years (CAGR: +1.0%). Vs 2022: +5%. After deducting consumption (0 €), gross margin stands at 1.0 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 190 k€, representing 18.8% of 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 136 k€, i.e. 13.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 013 265 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 013 265 €

EBITDA (2023) ?
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

190 266 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

168 921 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

136 151 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

18.7%

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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 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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 15.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2023) ?
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 (2023) ?
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

7.364%

Cash flow / Revenue (2023) ?
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

15.487%

Repayment capacity (2023) ?
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 (2023) ?
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

38.5%

Solvency indicators evolution
ASSURANCES ET REASSURANCES TECHNIQUES

Sector positioning

Debt ratio
0.0 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Excellent

In 2023, the debt ratio of ASSURANCES ET REASSURANCE... (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
7.36% 2023
2021
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average

In 2023, the financial autonomy of ASSURANCES ET REASSURANCE... (7.4%) 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 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Excellent

In 2023, the repayment capacity of ASSURANCES ET REASSURANCE... (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 119.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

119.372

Interest coverage (2023) ?
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 ET REASSURANCES TECHNIQUES

Sector positioning

Liquidity ratio
119.37 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Watch

In 2023, the liquidity ratio of ASSURANCES ET REASSURANCE... (119.37) 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.

Interest coverage
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average

In 2023, the interest coverage of ASSURANCES ET REASSURANCE... (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: 372 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1528 days. Excellent situation: suppliers finance 1156 days of the operating cycle (retail model). Overall, WCR represents 360 days of revenue, i.e. 1.0 M€ to permanently finance. Over 2017-2023, WCR increased by +24%, requiring additional financing.

Operating WCR (2023) ?
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

1 013 508 €

Customer credit (2023) ?
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

372 j

Supplier credit (2023) ?
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

1528 j

Inventory turnover (2023) ?
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 (2023) ?
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

360 j

WCR and payment terms evolution
ASSURANCES ET REASSURANCES TECHNIQUES

Positioning of ASSURANCES ET REASSURANCES TECHNIQUES 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 ET REASSURANCES TECHNIQUES is estimated at 468 616 € (range 138 952€ - 1 393 527€). With an EBITDA of 190 266€, 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 2023
193 transactions
138k€ 468k€ 1393k€
468 616 € Range: 138 952€ - 1 393 527€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
190 266 € × 1.2x
Estimation 230 346 €
59 496€ - 1 175 754€
Revenue Multiple 30%
1 013 265 € × 0.98x
Estimation 995 460 €
277 601€ - 1 851 383€
Net Income Multiple 20%
136 151 € × 2.0x
Estimation 274 027 €
129 620€ - 1 251 179€

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 ET REASSURANCES TECHNIQUES 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 ET REASSURANCES TECHNIQUES

What is the revenue of ASSURANCES ET REASSURANCES TECHNIQUES ?

The revenue of ASSURANCES ET REASSURANCES TECHNIQUES in 2023 is 1.0 M€.

Is ASSURANCES ET REASSURANCES TECHNIQUES profitable?

Yes, ASSURANCES ET REASSURANCES TECHNIQUES generated a net profit of 136 k€ in 2023.

Where is the headquarters of ASSURANCES ET REASSURANCES TECHNIQUES ?

The headquarters of ASSURANCES ET REASSURANCES TECHNIQUES is located in PARIS (75008), in the department Paris.

Where to find the tax return of ASSURANCES ET REASSURANCES TECHNIQUES ?

The tax return of ASSURANCES ET REASSURANCES TECHNIQUES 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 ET REASSURANCES TECHNIQUES operate?

ASSURANCES ET REASSURANCES TECHNIQUES 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.