ASSUR'AND FINANCES : revenue, balance sheet and financial ratios

ASSUR'AND FINANCES is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in RENNES (35000), this company of category PME shows in 2018 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 - ASSUR'AND FINANCES (SIREN 483496709)
Indicator 2021 2020 2018 2016
Revenue N/C N/C 1 347 884 € 1 329 734 €
Net income 212 146 € 182 143 € 183 076 € 131 091 €
EBITDA N/C N/C 206 430 € 197 344 €
Net margin N/C N/C 13.6% 9.9%

Revenue and income statement

In 2021, ASSUR'AND FINANCES generates positive net income of 212 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2021: 131 k€ -> 212 k€.

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

212 146 €

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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 11%. 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 80%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

11.163%

Financial autonomy (2021) ?
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

80.097%

Asset age ratio (2021) ?
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

34.1%

Solvency indicators evolution
ASSUR'AND FINANCES

Sector positioning

Debt ratio
11.16 2021
2018
2020
2021
Q1: 0.06
Med: 13.41
Q3: 70.61
Good +16 pts over 3 years

In 2021, the debt ratio of ASSUR'AND FINANCES (11.16) 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
80.1% 2021
2018
2020
2021
Q1: 17.04%
Med: 46.52%
Q3: 72.42%
Excellent

In 2021, the financial autonomy of ASSUR'AND FINANCES (80.1%) 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.

Repayment capacity
0.17 years 2018
2018
Q1: 0.0 years
Med: 0.04 years
Q3: 2.04 years
Average

In 2018, the repayment capacity of ASSUR'AND FINANCES (0.17) 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 380.47. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

380.472

Liquidity indicators evolution
ASSUR'AND FINANCES

Sector positioning

Liquidity ratio
380.47 2021
2018
2020
2021
Q1: 120.97
Med: 222.61
Q3: 474.51
Good -9 pts over 3 years

In 2021, the liquidity ratio of ASSUR'AND FINANCES (380.47) 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
0.53x 2018
2018
Q1: 0.0x
Med: 0.0x
Q3: 2.72x
Good

In 2018, the interest coverage of ASSUR'AND FINANCES (0.5x) 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 (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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
ASSUR'AND FINANCES

Positioning of ASSUR'AND FINANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 185 404€ to 1 696 653€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
185k€ 261k€ 1696k€
261 677 € Range: 185 404€ - 1 696 653€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 ASSUR'AND FINANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ASSUR'AND FINANCES

What is the revenue of ASSUR'AND FINANCES ?

The revenue of ASSUR'AND FINANCES in 2018 is 1.3 M€.

Is ASSUR'AND FINANCES profitable?

Yes, ASSUR'AND FINANCES generated a net profit of 212 k€ in 2021.

Where is the headquarters of ASSUR'AND FINANCES ?

The headquarters of ASSUR'AND FINANCES is located in RENNES (35000), in the department Ille-et-Vilaine.

Where to find the tax return of ASSUR'AND FINANCES ?

The tax return of ASSUR'AND FINANCES 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 ASSUR'AND FINANCES operate?

ASSUR'AND FINANCES 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.