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ASSURANCES PAYRAUDEAU LE PAVOUX : revenue, balance sheet and financial ratios

ASSURANCES PAYRAUDEAU LE PAVOUX is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHATEAUBRIANT (44110), this company of category PME shows in 2024 a net income positive of 98 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 PAYRAUDEAU LE PAVOUX (SIREN 518541834)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C N/C N/C N/C N/C
Net income 97 849 € 102 438 € 95 312 € 150 375 € 100 822 € 60 192 € 70 947 € 30 599 €
EBITDA N/C N/C N/C N/C N/C N/C N/C N/C
Net margin N/C N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, ASSURANCES PAYRAUDEAU LE PAVOUX generates positive net income of 98 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 31 k€ -> 98 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

97 849 €

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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 8%. 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 83%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

7.56%

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

82.699%

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

48.3%

Solvency indicators evolution
ASSURANCES PAYRAUDEAU LE PAVOUX

Sector positioning

Debt ratio
7.56 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good +24 pts over 3 years

In 2024, the debt ratio of ASSURANCES PAYRAUDEAU LE ... (7.56) 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
82.7% 2024
2021
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent

In 2024, the financial autonomy of ASSURANCES PAYRAUDEAU LE ... (82.7%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 185.74. 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

185.738

Liquidity indicators evolution
ASSURANCES PAYRAUDEAU LE PAVOUX

Sector positioning

Liquidity ratio
185.74 2024
2021
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average -6 pts over 3 years

In 2024, the liquidity ratio of ASSURANCES PAYRAUDEAU LE ... (185.74) 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.

Positioning of ASSURANCES PAYRAUDEAU LE PAVOUX 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 PAYRAUDEAU LE PAVOUX is estimated at 196 937 € (range 93 155€ - 899 197€). 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
93k€ 196k€ 899k€
196 937 € Range: 93 155€ - 899 197€
NAF 5 all-time

Valuation method used

Net Income Multiple
97 849 € × 2.0x = 196 938 €
Range: 93 155€ - 899 197€

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 PAYRAUDEAU LE PAVOUX 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 PAYRAUDEAU LE PAVOUX

What is the revenue of ASSURANCES PAYRAUDEAU LE PAVOUX ?

The revenue of ASSURANCES PAYRAUDEAU LE PAVOUX is not publicly disclosed (confidential accounts filed with INPI).

Is ASSURANCES PAYRAUDEAU LE PAVOUX profitable?

Yes, ASSURANCES PAYRAUDEAU LE PAVOUX generated a net profit of 98 k€ in 2024.

Where is the headquarters of ASSURANCES PAYRAUDEAU LE PAVOUX ?

The headquarters of ASSURANCES PAYRAUDEAU LE PAVOUX is located in CHATEAUBRIANT (44110), in the department Loire-Atlantique.

Where to find the tax return of ASSURANCES PAYRAUDEAU LE PAVOUX ?

The tax return of ASSURANCES PAYRAUDEAU LE PAVOUX 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 PAYRAUDEAU LE PAVOUX operate?

ASSURANCES PAYRAUDEAU LE PAVOUX 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.