ASSURANCES PREVOYANCE FINANCE - APREFI : revenue, balance sheet and financial ratios

ASSURANCES PREVOYANCE FINANCE - APREFI is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75010), this company of category PME shows in 2022 a revenue of 1.0 M€. 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 PREVOYANCE FINANCE - APREFI (SIREN 442661401)
Indicator 2024 2023 2022 2021 2017
Revenue N/C N/C 1 032 435 € 824 630 € 201 621 €
Net income 405 341 € 327 884 € 296 107 € 271 346 € 759 €
EBITDA N/C N/C 332 390 € 338 775 € 38 €
Net margin N/C N/C 28.7% 32.9% 0.4%

Revenue and income statement

In 2024, ASSURANCES PREVOYANCE FINANCE - APREFI generates positive net income of 405 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2024: 759 € -> 405 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

405 341 €

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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 95%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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

94.804%

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

45.757%

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

31.1%

Solvency indicators evolution
ASSURANCES PREVOYANCE FINANCE - APREFI

Sector positioning

Debt ratio
94.8 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average

In 2024, the debt ratio of ASSURANCES PREVOYANCE FIN... (94.80) 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
45.76% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average +6 pts over 3 years

In 2024, the financial autonomy of ASSURANCES PREVOYANCE FIN... (45.8%) 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
2.86 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average

In 2022, the repayment capacity of ASSURANCES PREVOYANCE FIN... (2.86) 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 171.18. 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

171.177

Liquidity indicators evolution
ASSURANCES PREVOYANCE FINANCE - APREFI

Sector positioning

Liquidity ratio
171.18 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average +8 pts over 3 years

In 2024, the liquidity ratio of ASSURANCES PREVOYANCE FIN... (171.18) 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
1.79x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Good

In 2022, the interest coverage of ASSURANCES PREVOYANCE FIN... (1.8x) 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.

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 PREVOYANCE FINANCE - APREFI

Positioning of ASSURANCES PREVOYANCE FINANCE - APREFI 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 PREVOYANCE FINANCE - APREFI is estimated at 815 817 € (range 385 897€ - 3 724 938€). 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
385k€ 815k€ 3724k€
815 817 € Range: 385 897€ - 3 724 938€
NAF 5 all-time

Valuation method used

Net Income Multiple
405 341 € × 2.0x = 815 817 €
Range: 385 897€ - 3 724 939€

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 PREVOYANCE FINANCE - APREFI 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 PREVOYANCE FINANCE - APREFI

What is the revenue of ASSURANCES PREVOYANCE FINANCE - APREFI ?

The revenue of ASSURANCES PREVOYANCE FINANCE - APREFI in 2022 is 1.0 M€.

Is ASSURANCES PREVOYANCE FINANCE - APREFI profitable?

Yes, ASSURANCES PREVOYANCE FINANCE - APREFI generated a net profit of 405 k€ in 2024.

Where is the headquarters of ASSURANCES PREVOYANCE FINANCE - APREFI ?

The headquarters of ASSURANCES PREVOYANCE FINANCE - APREFI is located in PARIS (75010), in the department Paris.

Where to find the tax return of ASSURANCES PREVOYANCE FINANCE - APREFI ?

The tax return of ASSURANCES PREVOYANCE FINANCE - APREFI 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 PREVOYANCE FINANCE - APREFI operate?

ASSURANCES PREVOYANCE FINANCE - APREFI 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.