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ASSURANCES GRATTE CIEL : revenue, balance sheet and financial ratios

ASSURANCES GRATTE CIEL is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LA GARDE (83130), this company of category PME shows in 2022 a revenue of 891 k€. 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 GRATTE CIEL (SIREN 382780682)
Indicator 2024 2023 2022 2021 2020 2019
Revenue N/C N/C 891 068 € N/C N/C N/C
Net income 159 740 € 108 476 € 129 155 € 191 471 € 194 780 € 144 770 €
EBITDA N/C N/C 179 774 € N/C N/C N/C
Net margin N/C N/C 14.5% N/C N/C N/C

Revenue and income statement

In 2024, ASSURANCES GRATTE CIEL generates positive net income of 160 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2024: 145 k€ -> 160 k€.

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

159 740 €

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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 25%. 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 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

25.135%

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

18.911%

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

14.7%

Solvency indicators evolution
ASSURANCES GRATTE CIEL

Sector positioning

Debt ratio
25.14 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average

In 2024, the debt ratio of ASSURANCES GRATTE CIEL (25.14) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
18.91% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average

In 2024, the financial autonomy of ASSURANCES GRATTE CIEL (18.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.75 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average

In 2022, the repayment capacity of ASSURANCES GRATTE CIEL (2.75) 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 102.85. 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

102.849

Liquidity indicators evolution
ASSURANCES GRATTE CIEL

Sector positioning

Liquidity ratio
102.85 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Watch

In 2024, the liquidity ratio of ASSURANCES GRATTE CIEL (102.85) 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
2.68x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of ASSURANCES GRATTE CIEL (2.7x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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 GRATTE CIEL

Positioning of ASSURANCES GRATTE CIEL 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 GRATTE CIEL is estimated at 321 503 € (range 152 077€ - 1 467 953€). 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
152k€ 321k€ 1467k€
321 503 € Range: 152 077€ - 1 467 953€
NAF 5 all-time

Valuation method used

Net Income Multiple
159 740 € × 2.0x = 321 504 €
Range: 152 077€ - 1 467 953€

Only this financial indicator is available for this company.

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 GRATTE CIEL 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 GRATTE CIEL

What is the revenue of ASSURANCES GRATTE CIEL ?

The revenue of ASSURANCES GRATTE CIEL in 2022 is 891 k€.

Is ASSURANCES GRATTE CIEL profitable?

Yes, ASSURANCES GRATTE CIEL generated a net profit of 160 k€ in 2024.

Where is the headquarters of ASSURANCES GRATTE CIEL ?

The headquarters of ASSURANCES GRATTE CIEL is located in LA GARDE (83130), in the department Var.

Where to find the tax return of ASSURANCES GRATTE CIEL ?

The tax return of ASSURANCES GRATTE CIEL 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 GRATTE CIEL operate?

ASSURANCES GRATTE CIEL 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.