ASSURANCES SEYMOUR-GERMAIN : revenue, balance sheet and financial ratios

ASSURANCES SEYMOUR-GERMAIN is a French company founded 29 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BAIE-MAHAULT (97122), this company of category PME shows in 2019 a revenue of 1.3 M€. 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 SEYMOUR-GERMAIN (SIREN 410127427)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C N/C 1 271 294 € 1 137 146 € 1 102 074 € 1 021 140 €
Net income 167 426 € 293 416 € 337 424 € 174 285 € 111 151 € 162 174 € 182 073 € 232 756 € 180 777 €
EBITDA N/C N/C N/C N/C N/C 147 652 € 209 999 € 170 916 € 59 446 €
Net margin N/C N/C N/C N/C N/C 12.8% 16.0% 21.1% 17.7%

Revenue and income statement

In 2024, ASSURANCES SEYMOUR-GERMAIN generates positive net income of 167 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 181 k€ -> 167 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

167 426 €

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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 50%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 53%. 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

50.495%

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

53.204%

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

62.9%

Solvency indicators evolution
ASSURANCES SEYMOUR-GERMAIN

Sector positioning

Debt ratio
50.49 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average +24 pts over 3 years

In 2024, the debt ratio of ASSURANCES SEYMOUR-GERMAIN (50.49) 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
53.2% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good -13 pts over 3 years

In 2024, the financial autonomy of ASSURANCES SEYMOUR-GERMAIN (53.2%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 410.70. 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

410.702

Liquidity indicators evolution
ASSURANCES SEYMOUR-GERMAIN

Sector positioning

Liquidity ratio
410.7 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good

In 2024, the liquidity ratio of ASSURANCES SEYMOUR-GERMAIN (410.70) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. 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 SEYMOUR-GERMAIN

Positioning of ASSURANCES SEYMOUR-GERMAIN 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 SEYMOUR-GERMAIN is estimated at 336 973 € (range 159 394€ - 1 538 584€). 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
159k€ 336k€ 1538k€
336 973 € Range: 159 394€ - 1 538 584€
NAF 5 all-time

Valuation method used

Net Income Multiple
167 426 € × 2.0x = 336 973 €
Range: 159 395€ - 1 538 585€

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 SEYMOUR-GERMAIN 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 SEYMOUR-GERMAIN

What is the revenue of ASSURANCES SEYMOUR-GERMAIN ?

The revenue of ASSURANCES SEYMOUR-GERMAIN in 2019 is 1.3 M€.

Is ASSURANCES SEYMOUR-GERMAIN profitable?

Yes, ASSURANCES SEYMOUR-GERMAIN generated a net profit of 167 k€ in 2024.

Where is the headquarters of ASSURANCES SEYMOUR-GERMAIN ?

The headquarters of ASSURANCES SEYMOUR-GERMAIN is located in BAIE-MAHAULT (97122), in the department Guadeloupe.

Where to find the tax return of ASSURANCES SEYMOUR-GERMAIN ?

The tax return of ASSURANCES SEYMOUR-GERMAIN 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 SEYMOUR-GERMAIN operate?

ASSURANCES SEYMOUR-GERMAIN 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.