ASSURANCES SAINT GERMAIN - ASG : revenue, balance sheet and financial ratios

ASSURANCES SAINT GERMAIN - ASG is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category ETI shows in 2023 a revenue of 1.1 M€. 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 SAINT GERMAIN - ASG (SIREN 493820112)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 104 463 € 2 033 784 € 2 375 643 € 2 233 894 € 2 211 892 € N/C 1 592 040 € 1 551 460 €
Net income -413 273 € 119 223 € 342 975 € 430 602 € 322 430 € 402 010 € 281 527 € 261 931 €
EBITDA -554 278 € 280 817 € 518 623 € 620 393 € 603 662 € N/C 469 587 € 408 735 €
Net margin -37.4% 5.9% 14.4% 19.3% 14.6% N/C 17.7% 16.9%

Revenue and income statement

In 2023, ASSURANCES SAINT GERMAIN - ASG achieves revenue of 1.1 M€. Activity remains stable over the period (CAGR: -4.7%). Significant drop of -46% vs 2022. After deducting consumption (0 €), gross margin stands at 1.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -554 k€, representing -50.2% of revenue. Warning negative scissor effect: despite revenue change (-46%), EBITDA varies by -297%, reducing margin by 64.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -413 k€ (-37.4% 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

1 104 463 €

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

1 104 463 €

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

-554 278 €

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

-391 849 €

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

-413 273 €

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

-50.2%

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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 138%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 16%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

137.631%

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

16.124%

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

-38.171%

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

-3.226

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

54.3%

Solvency indicators evolution
ASSURANCES SAINT GERMAIN - ASG

Sector positioning

Debt ratio
137.63 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average +50 pts over 3 years

In 2023, the debt ratio of ASSURANCES SAINT GERMAIN ... (137.63) 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
16.12% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average

In 2023, the financial autonomy of ASSURANCES SAINT GERMAIN ... (16.1%) 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
-3.23 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Excellent

In 2023, the repayment capacity of ASSURANCES SAINT GERMAIN ... (-3.23) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 105.08. 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

105.077

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

-5.247

Liquidity indicators evolution
ASSURANCES SAINT GERMAIN - ASG

Sector positioning

Liquidity ratio
105.08 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Watch

In 2023, the liquidity ratio of ASSURANCES SAINT GERMAIN ... (105.08) 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
-5.25x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Average -25 pts over 3 years

In 2023, the interest coverage of ASSURANCES SAINT GERMAIN ... (-5.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 878 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 2083 days. Excellent situation: suppliers finance 1205 days of the operating cycle (retail model). Overall, WCR represents 1010 days of revenue, i.e. 3.1 M€ to permanently finance. Over 2016-2023, WCR increased by +11671%, requiring additional financing.

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

3 099 200 €

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

878 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

2083 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

1010 j

WCR and payment terms evolution
ASSURANCES SAINT GERMAIN - ASG

Positioning of ASSURANCES SAINT GERMAIN - ASG 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 SAINT GERMAIN - ASG is estimated at 1 085 055 € (range 302 586€ - 2 018 015€). 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
302k€ 1085k€ 2018k€
1 085 055 € Range: 302 586€ - 2 018 015€
NAF 5 all-time

Valuation method used

Revenue Multiple
1 104 463 € × 0.98x = 1 085 056 €
Range: 302 586€ - 2 018 015€

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 SAINT GERMAIN - ASG 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 SAINT GERMAIN - ASG

What is the revenue of ASSURANCES SAINT GERMAIN - ASG ?

The revenue of ASSURANCES SAINT GERMAIN - ASG in 2023 is 1.1 M€.

Is ASSURANCES SAINT GERMAIN - ASG profitable?

ASSURANCES SAINT GERMAIN - ASG recorded a net loss in 2023.

Where is the headquarters of ASSURANCES SAINT GERMAIN - ASG ?

The headquarters of ASSURANCES SAINT GERMAIN - ASG is located in PARIS (75009), in the department Paris.

Where to find the tax return of ASSURANCES SAINT GERMAIN - ASG ?

The tax return of ASSURANCES SAINT GERMAIN - ASG 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 SAINT GERMAIN - ASG operate?

ASSURANCES SAINT GERMAIN - ASG 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.