ASSURANCES LES SABLONS : revenue, balance sheet and financial ratios

ASSURANCES LES SABLONS is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ORLEANS (45000), this company of category PME shows in 2021 a revenue of 936 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ASSURANCES LES SABLONS (SIREN 500712765)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 935 555 € 872 233 € 705 434 € 641 143 € 580 675 € 558 574 €
Net income 12 304 € 360 € 9 489 € 60 516 € 26 473 € 30 710 € 17 179 € 17 974 €
EBITDA N/C N/C 57 732 € 209 055 € 46 735 € 73 934 € 52 526 € 47 760 €
Net margin N/C N/C 1.0% 6.9% 3.8% 4.8% 3.0% 3.2%

Revenue and income statement

In 2023, ASSURANCES LES SABLONS generates positive net income of 12 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2023: 18 k€ -> 12 k€.

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

12 304 €

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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 160%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 30%. The balance between equity and debt is satisfactory.

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

159.589%

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

29.625%

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

41.4%

Solvency indicators evolution
ASSURANCES LES SABLONS

Sector positioning

Debt ratio
159.59 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average

In 2023, the debt ratio of ASSURANCES LES SABLONS (159.59) 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
29.62% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average +8 pts over 3 years

In 2023, the financial autonomy of ASSURANCES LES SABLONS (29.6%) 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
9.92 years 2021
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.51 years
Watch

In 2021, the repayment capacity of ASSURANCES LES SABLONS (9.92) 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 168.99. 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

168.989

Liquidity indicators evolution
ASSURANCES LES SABLONS

Sector positioning

Liquidity ratio
168.99 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Average

In 2023, the liquidity ratio of ASSURANCES LES SABLONS (168.99) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
14.3x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Excellent

In 2021, the interest coverage of ASSURANCES LES SABLONS (14.3x) 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 (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

0 €

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

0 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 and payment terms evolution
ASSURANCES LES SABLONS

Positioning of ASSURANCES LES SABLONS 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 LES SABLONS is estimated at 24 763 € (range 11 713€ - 113 069€). 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
11k€ 24k€ 113k€
24 763 € Range: 11 713€ - 113 069€
NAF 5 all-time

Valuation method used

Net Income Multiple
12 304 € × 2.0x = 24 764 €
Range: 11 714€ - 113 069€

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 LES SABLONS 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 LES SABLONS

What is the revenue of ASSURANCES LES SABLONS ?

The revenue of ASSURANCES LES SABLONS in 2021 is 936 k€.

Is ASSURANCES LES SABLONS profitable?

Yes, ASSURANCES LES SABLONS generated a net profit of 12 k€ in 2023.

Where is the headquarters of ASSURANCES LES SABLONS ?

The headquarters of ASSURANCES LES SABLONS is located in ORLEANS (45000), in the department Loiret.

Where to find the tax return of ASSURANCES LES SABLONS ?

The tax return of ASSURANCES LES SABLONS 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 LES SABLONS operate?

ASSURANCES LES SABLONS 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.