ASSURANCES GESTION ENTREPRISES RHONE-ALPES : revenue, balance sheet and financial ratios

ASSURANCES GESTION ENTREPRISES RHONE-ALPES is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOURG-DE-PEAGE (26300), this company of category PME shows in 2023 a revenue of 284 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 GESTION ENTREPRISES RHONE-ALPES (SIREN 789331386)
Indicator 2023 2021 2020 2019 2018 2017 2016
Revenue 284 384 € 264 857 € 254 069 € 250 416 € 270 760 € 219 340 € 197 679 €
Net income 20 558 € 22 295 € 39 986 € 41 406 € 55 772 € 32 071 € 22 096 €
EBITDA 32 923 € 28 445 € 48 898 € 43 906 € 59 400 € 28 946 € 20 312 €
Net margin 7.2% 8.4% 15.7% 16.5% 20.6% 14.6% 11.2%

Revenue and income statement

In 2023, ASSURANCES GESTION ENTREPRISES RHONE-ALPES achieves revenue of 284 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +5.3%. Vs 2021: +7%. After deducting consumption (0 €), gross margin stands at 284 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 33 k€, representing 11.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 21 k€, i.e. 7.2% 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

284 384 €

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

284 384 €

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

32 923 €

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

31 102 €

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

20 558 €

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

11.5%

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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 4%. 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 87%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 9.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

3.892%

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

87.051%

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

9.369%

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

0.271

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

15.2%

Solvency indicators evolution
ASSURANCES GESTION ENTREPRISES RHONE-ALPES

Sector positioning

Debt ratio
3.89 2023
2020
2021
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Good -6 pts over 3 years

In 2023, the debt ratio of ASSURANCES GESTION ENTREP... (3.89) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
87.05% 2023
2020
2021
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Excellent

In 2023, the financial autonomy of ASSURANCES GESTION ENTREP... (87.0%) 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.

Repayment capacity
0.27 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Average

In 2023, the repayment capacity of ASSURANCES GESTION ENTREP... (0.27) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 387.76. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

387.758

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

0.118

Liquidity indicators evolution
ASSURANCES GESTION ENTREPRISES RHONE-ALPES

Sector positioning

Liquidity ratio
387.76 2023
2020
2021
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Good

In 2023, the liquidity ratio of ASSURANCES GESTION ENTREP... (387.76) 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
0.12x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Good

In 2023, the interest coverage of ASSURANCES GESTION ENTREP... (0.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 35 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. The company must finance 15 days of gap between collections and payments. Overall, WCR represents 19 days of revenue, i.e. 15 k€ to permanently finance. Over 2016-2023, WCR increased by +176%, 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

14 760 €

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

35 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

20 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

19 j

WCR and payment terms evolution
ASSURANCES GESTION ENTREPRISES RHONE-ALPES

Positioning of ASSURANCES GESTION ENTREPRISES RHONE-ALPES 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 GESTION ENTREPRISES RHONE-ALPES is estimated at 112 020 € (range 32 435€ - 295 391€). With an EBITDA of 32 923€, 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
32k€ 112k€ 295k€
112 020 € Range: 32 435€ - 295 391€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
32 923 € × 1.2x
Estimation 39 858 €
10 295€ - 203 449€
Revenue Multiple 30%
284 384 € × 0.98x
Estimation 279 387 €
77 912€ - 519 611€
Net Income Multiple 20%
20 558 € × 2.0x
Estimation 41 376 €
19 572€ - 188 921€

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 GESTION ENTREPRISES RHONE-ALPES 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 GESTION ENTREPRISES RHONE-ALPES

What is the revenue of ASSURANCES GESTION ENTREPRISES RHONE-ALPES ?

The revenue of ASSURANCES GESTION ENTREPRISES RHONE-ALPES in 2023 is 284 k€.

Is ASSURANCES GESTION ENTREPRISES RHONE-ALPES profitable?

Yes, ASSURANCES GESTION ENTREPRISES RHONE-ALPES generated a net profit of 21 k€ in 2023.

Where is the headquarters of ASSURANCES GESTION ENTREPRISES RHONE-ALPES ?

The headquarters of ASSURANCES GESTION ENTREPRISES RHONE-ALPES is located in BOURG-DE-PEAGE (26300), in the department Drome.

Where to find the tax return of ASSURANCES GESTION ENTREPRISES RHONE-ALPES ?

The tax return of ASSURANCES GESTION ENTREPRISES RHONE-ALPES 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 GESTION ENTREPRISES RHONE-ALPES operate?

ASSURANCES GESTION ENTREPRISES RHONE-ALPES 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.