ASSUREURS ASSOCIES BRANCHES MULTIPLE : revenue, balance sheet and financial ratios

ASSUREURS ASSOCIES BRANCHES MULTIPLE is a French company founded 27 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in QUIMPERLE (29300), this company of category PME shows in 2022 a revenue of 198 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ASSUREURS ASSOCIES BRANCHES MULTIPLE (SIREN 420284432)
Indicator 2022 2020 2019 2018
Revenue 198 271 € 127 015 € 101 133 € 69 567 €
Net income 47 736 € 33 448 € 40 675 € 28 320 €
EBITDA 59 912 € 47 143 € 49 809 € 34 702 €
Net margin 24.1% 26.3% 40.2% 40.7%

Revenue and income statement

In 2022, ASSUREURS ASSOCIES BRANCHES MULTIPLE achieves revenue of 198 k€. Over the period 2018-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +29.9%. Vs 2020, growth of +56% (127 k€ -> 198 k€). After deducting consumption (0 €), gross margin stands at 198 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 60 k€, representing 30.2% of revenue. Warning negative scissor effect: despite revenue change (+56%), EBITDA varies by +27%, reducing margin by 6.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 48 k€, i.e. 24.1% 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

198 271 €

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

198 271 €

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

59 912 €

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

59 712 €

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

47 736 €

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

30.2%

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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 33%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 66%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 24.2% 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

33.231%

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

66.123%

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

24.177%

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

1.764

Asset age ratio (2022) ?
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

22.3%

Solvency indicators evolution
ASSUREURS ASSOCIES BRANCHES MULTIPLE

Sector positioning

Debt ratio
33.23 2022
2019
2020
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Average +7 pts over 3 years

In 2022, the debt ratio of ASSUREURS ASSOCIES BRANCH... (33.23) 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
66.12% 2022
2019
2020
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Good -7 pts over 3 years

In 2022, the financial autonomy of ASSUREURS ASSOCIES BRANCH... (66.1%) 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.

Repayment capacity
1.76 years 2022
2019
2020
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average +7 pts over 3 years

In 2022, the repayment capacity of ASSUREURS ASSOCIES BRANCH... (1.76) 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 239.49. 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 2.2x. Financial charges are adequately covered by operations.

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

239.491

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

2.163

Liquidity indicators evolution
ASSUREURS ASSOCIES BRANCHES MULTIPLE

Sector positioning

Liquidity ratio
239.49 2022
2019
2020
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Good -24 pts over 3 years

In 2022, the liquidity ratio of ASSUREURS ASSOCIES BRANCH... (239.49) 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
2.16x 2022
2019
2020
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent +14 pts over 3 years

In 2022, the interest coverage of ASSUREURS ASSOCIES BRANCH... (2.2x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-1 days): operations structurally generate cash. Notable WCR improvement over the period (-101%), freeing up cash.

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

-787 €

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

0 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

12 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

-1 j

WCR and payment terms evolution
ASSUREURS ASSOCIES BRANCHES MULTIPLE

Positioning of ASSUREURS ASSOCIES BRANCHES MULTIPLE 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 ASSUREURS ASSOCIES BRANCHES MULTIPLE is estimated at 113 917 € (range 34 752€ - 381 530€). With an EBITDA of 59 912€, 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
34k€ 113k€ 381k€
113 917 € Range: 34 752€ - 381 530€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
59 912 € × 1.2x
Estimation 72 533 €
18 734€ - 370 228€
Revenue Multiple 30%
198 271 € × 0.98x
Estimation 194 787 €
54 320€ - 362 270€
Net Income Multiple 20%
47 736 € × 2.0x
Estimation 96 077 €
45 446€ - 438 677€

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 ASSUREURS ASSOCIES BRANCHES MULTIPLE with other companies in the same sector:

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

Frequently asked questions about ASSUREURS ASSOCIES BRANCHES MULTIPLE

What is the revenue of ASSUREURS ASSOCIES BRANCHES MULTIPLE ?

The revenue of ASSUREURS ASSOCIES BRANCHES MULTIPLE in 2022 is 198 k€.

Is ASSUREURS ASSOCIES BRANCHES MULTIPLE profitable?

Yes, ASSUREURS ASSOCIES BRANCHES MULTIPLE generated a net profit of 48 k€ in 2022.

Where is the headquarters of ASSUREURS ASSOCIES BRANCHES MULTIPLE ?

The headquarters of ASSUREURS ASSOCIES BRANCHES MULTIPLE is located in QUIMPERLE (29300), in the department Finistere.

Where to find the tax return of ASSUREURS ASSOCIES BRANCHES MULTIPLE ?

The tax return of ASSUREURS ASSOCIES BRANCHES MULTIPLE 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 ASSUREURS ASSOCIES BRANCHES MULTIPLE operate?

ASSUREURS ASSOCIES BRANCHES MULTIPLE 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.