ASSURANCES VISION SANTE : revenue, balance sheet and financial ratios

ASSURANCES VISION SANTE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ALFORTVILLE (94140), this company of category PME shows in 2022 a revenue of 201 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 VISION SANTE (SIREN 537408999)
Indicator 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 201 215 € 212 474 € 162 613 € 194 892 € 237 320 € 169 575 € 218 430 € 250 617 €
Net income 29 015 € 35 604 € 4 562 € 3 897 € 17 794 € -2 850 € 37 535 € 13 938 €
EBITDA 45 136 € 41 787 € 6 703 € 14 869 € 26 082 € -1 827 € 43 046 € 20 554 €
Net margin 14.4% 16.8% 2.8% 2.0% 7.5% -1.7% 17.2% 5.6%

Revenue and income statement

In 2022, ASSURANCES VISION SANTE achieves revenue of 201 k€. Activity remains stable over the period (CAGR: -3.1%). Slight decline of -5% vs 2021. After deducting consumption (1 k€), gross margin stands at 200 k€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 45 k€, representing 22.4% of revenue. Positive scissor effect: EBITDA margin improves by +2.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 29 k€, i.e. 14.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

201 215 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

200 044 €

EBITDA (2022) ?
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

45 136 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

45 173 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

29 015 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

22.4%

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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 -0%. 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 -0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 14.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-0.283%

Financial autonomy (2022) ?
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

-0.181%

Cash flow / Revenue (2022) ?
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

14.42%

Repayment capacity (2022) ?
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

0.0

Solvency indicators evolution
ASSURANCES VISION SANTE

Sector positioning

Debt ratio
-0.28 2022
2020
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Excellent

In 2022, the debt ratio of ASSURANCES VISION SANTE (-0.28) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-0.18% 2022
2020
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Average

In 2022, the financial autonomy of ASSURANCES VISION SANTE (-0.2%) 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
0.0 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Excellent

In 2022, the repayment capacity of ASSURANCES VISION SANTE (0.00) 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 271.79. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 21.5x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2022) ?
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

271.791

Interest coverage (2022) ?
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

21.53

Liquidity indicators evolution
ASSURANCES VISION SANTE

Sector positioning

Liquidity ratio
271.79 2022
2020
2021
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Good +16 pts over 3 years

In 2022, the liquidity ratio of ASSURANCES VISION SANTE (271.79) 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.

Interest coverage
21.53x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent +50 pts over 3 years

In 2022, the interest coverage of ASSURANCES VISION SANTE (21.5x) 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. Average customer payment term: 14 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 25 days. WCR is negative (-4 days): operations structurally generate cash. Over 2015-2022, WCR increased by +89%, requiring additional financing.

Operating WCR (2022) ?
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

-2 316 €

Customer credit (2022) ?
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

14 j

Supplier credit (2022) ?
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

39 j

Inventory turnover (2022) ?
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 (2022) ?
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

-4 j

WCR and payment terms evolution
ASSURANCES VISION SANTE

Positioning of ASSURANCES VISION SANTE 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 VISION SANTE is estimated at 98 305 € (range 29 119€ - 303 081€). With an EBITDA of 45 136€, the sector multiple of 1.2x is applied. 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 2022
193 transactions
29k€ 98k€ 303k€
98 305 € Range: 29 119€ - 303 081€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
45 136 € × 1.2x
Estimation 54 644 €
14 114€ - 278 919€
Revenue Multiple 30%
201 215 € × 0.98x
Estimation 197 679 €
55 126€ - 367 649€
Net Income Multiple 20%
29 015 € × 2.0x
Estimation 58 398 €
27 623€ - 266 637€

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 VISION SANTE 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 VISION SANTE

What is the revenue of ASSURANCES VISION SANTE ?

The revenue of ASSURANCES VISION SANTE in 2022 is 201 k€.

Is ASSURANCES VISION SANTE profitable?

Yes, ASSURANCES VISION SANTE generated a net profit of 29 k€ in 2022.

Where is the headquarters of ASSURANCES VISION SANTE ?

The headquarters of ASSURANCES VISION SANTE is located in ALFORTVILLE (94140), in the department Val-de-Marne.

Where to find the tax return of ASSURANCES VISION SANTE ?

The tax return of ASSURANCES VISION SANTE 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 VISION SANTE operate?

ASSURANCES VISION SANTE 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.