ASSURANCES GUY & ASSOCIES : revenue, balance sheet and financial ratios

ASSURANCES GUY & ASSOCIES is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MAISONS-LAFFITTE (78600), this company of category PME shows in 2023 a revenue of 128 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 GUY & ASSOCIES (SIREN 451320642)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 128 139 € 140 953 € 139 683 € 146 527 € 144 056 € 136 532 € 146 973 € 141 264 €
Net income -8 113 € -6 301 € -1 010 € 14 803 € 6 107 € 1 066 € 6 407 € 7 491 €
EBITDA 2 730 € 5 760 € -322 € 22 461 € 17 198 € 10 297 € 13 354 € 16 279 €
Net margin -6.3% -4.5% -0.7% 10.1% 4.2% 0.8% 4.4% 5.3%

Revenue and income statement

In 2023, ASSURANCES GUY & ASSOCIES achieves revenue of 128 k€. Activity remains stable over the period (CAGR: -1.4%). Slight decline of -9% vs 2022. After deducting consumption (0 €), gross margin stands at 128 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 3 k€, representing 2.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -8 k€ (-6.3% of revenue), which will impact equity.

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

128 139 €

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

128 139 €

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

2 730 €

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

-7 853 €

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

-8 113 €

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

2.1%

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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 23%. 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). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 1.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

22.682%

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

7.159%

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

1.928%

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

9.971

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

37.0%

Solvency indicators evolution
ASSURANCES GUY & ASSOCIES

Sector positioning

Debt ratio
22.68 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average -16 pts over 3 years

In 2023, the debt ratio of ASSURANCES GUY & ASSOCIES (22.68) 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
7.16% 2023
2021
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average -14 pts over 3 years

In 2023, the financial autonomy of ASSURANCES GUY & ASSOCIES (7.2%) 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
9.97 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Watch

In 2023, the repayment capacity of ASSURANCES GUY & ASSOCIES (9.97) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 17.4x. Operating income very largely covers interest expenses: high safety margin.

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

0.0

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

17.436

Liquidity indicators evolution
ASSURANCES GUY & ASSOCIES

Sector positioning

Liquidity ratio
0.0 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Watch

In 2023, the liquidity ratio of ASSURANCES GUY & ASSOCIES (0.00) 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
17.44x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent +50 pts over 3 years

In 2023, the interest coverage of ASSURANCES GUY & ASSOCIES (17.4x) 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. Excellent situation: suppliers finance 65 days of the operating cycle (retail model). WCR is negative (-592 days): operations structurally generate cash.

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

-210 825 €

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

0 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

65 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

-592 j

WCR and payment terms evolution
ASSURANCES GUY & ASSOCIES

Positioning of ASSURANCES GUY & ASSOCIES 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 GUY & ASSOCIES is estimated at 49 273 € (range 13 698€ - 98 342€). With an EBITDA of 2 730€, 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
13k€ 49k€ 98k€
49 273 € Range: 13 698€ - 98 342€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 730 € × 1.2x
Estimation 3 305 €
854€ - 16 870€
Revenue Multiple 30%
128 139 € × 0.98x
Estimation 125 887 €
35 106€ - 234 129€

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 GUY & ASSOCIES 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 GUY & ASSOCIES

What is the revenue of ASSURANCES GUY & ASSOCIES ?

The revenue of ASSURANCES GUY & ASSOCIES in 2023 is 128 k€.

Is ASSURANCES GUY & ASSOCIES profitable?

ASSURANCES GUY & ASSOCIES recorded a net loss in 2023.

Where is the headquarters of ASSURANCES GUY & ASSOCIES ?

The headquarters of ASSURANCES GUY & ASSOCIES is located in MAISONS-LAFFITTE (78600), in the department Yvelines.

Where to find the tax return of ASSURANCES GUY & ASSOCIES ?

The tax return of ASSURANCES GUY & ASSOCIES 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 GUY & ASSOCIES operate?

ASSURANCES GUY & ASSOCIES 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.