Employees: NN (None)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2004-03-02 (22 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: LYON (69001), Rhone
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
ASSURBANK : revenue, balance sheet and financial ratios
ASSURBANK is a French company
founded 22 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LYON (69001),
this company of category PME
shows in 2022 a net income positive of 850 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2022, ASSURBANK generates positive net income of 850 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2022: 312 k€ -> 850 k€.
Net income (2022)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
850 124 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 169%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory.
Debt ratio (2022)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
169.081%
Financial autonomy (2022)
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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
34.343%
Asset age ratio (2022)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2021
2022
Debt ratio
401.1
386.922
169.081
Financial autonomy
17.595
17.915
34.343
Repayment capacity
None
None
None
Cash flow / Revenue
None%
None%
None%
Sector positioning
Debt ratio
169.082022
2015
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Average
In 2022, the debt ratio of ASSURBANK (169.08) 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
34.34%2022
2015
2021
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Average
In 2022, the financial autonomy of ASSURBANK (34.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 1297.84. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2022)
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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
1297.839
Liquidity indicators evolution ASSURBANK
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2021
2022
Liquidity ratio
85.24
125.534
1297.839
Interest coverage
None
None
None
Sector positioning
Liquidity ratio
1297.842022
2015
2021
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Excellent+48 pts over 3 years
In 2022, the liquidity ratio of ASSURBANK (1297.84) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
Positioning of ASSURBANK 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 ASSURBANK is estimated at
1 711 018 €
(range 809 344€ - 7 812 335€).
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 value2022
193 transactions
809k€1711k€7812k€
1 711 018 €Range: 809 344€ - 7 812 335€
NAF 5 all-time
Valuation method used
Net Income Multiple
850 124 €
×
2.0x
=1 711 019 €
Range: 809 345€ - 7 812 335€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 ASSURBANK with other companies in the same sector:
The revenue of ASSURBANK is not publicly disclosed (confidential accounts filed with INPI).
Is ASSURBANK profitable?
Yes, ASSURBANK generated a net profit of 850 k€ in 2022.
Where is the headquarters of ASSURBANK ?
The headquarters of ASSURBANK is located in LYON (69001), in the department Rhone.
Where to find the tax return of ASSURBANK ?
The tax return of ASSURBANK 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 ASSURBANK operate?
ASSURBANK 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.
Item evolution
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