ASSUREURS CONSEILS ASSOCIES : revenue, balance sheet and financial ratios

ASSUREURS CONSEILS ASSOCIES is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAUMUR (49400), this company of category PME shows in 2024 a revenue of 1.5 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 - ASSUREURS CONSEILS ASSOCIES (SIREN 493319164)
Indicator 2024 2023 2022 2021 2019 2018 2017 2016
Revenue 1 489 092 € 1 392 172 € 1 356 218 € 1 396 523 € 1 388 031 € 1 362 484 € 1 365 811 € 1 268 772 €
Net income 221 430 € 314 083 € 348 581 € 168 329 € 190 286 € 149 531 € 225 391 € 140 079 €
EBITDA 299 536 € 417 383 € 477 719 € 296 303 € 304 377 € 236 876 € 362 395 € 231 227 €
Net margin 14.9% 22.6% 25.7% 12.1% 13.7% 11.0% 16.5% 11.0%

Revenue and income statement

In 2024, ASSUREURS CONSEILS ASSOCIES achieves revenue of 1.5 M€. Revenue is growing positively over 8 years (CAGR: +2.0%). Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 1.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 300 k€, representing 20.1% of revenue. Warning negative scissor effect: despite revenue change (+7%), EBITDA varies by -28%, reducing margin by 9.9 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 221 k€, i.e. 14.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 489 092 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 489 092 €

EBITDA (2024) ?
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

299 536 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

296 560 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

221 430 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

20.1%

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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 105%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 15.1% 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 (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

105.325%

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

38.29%

Cash flow / Revenue (2024) ?
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

15.08%

Repayment capacity (2024) ?
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

2.329

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

32.9%

Solvency indicators evolution
ASSUREURS CONSEILS ASSOCIES

Sector positioning

Debt ratio
105.33 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average

In 2024, the debt ratio of ASSUREURS CONSEILS ASSOCIES (105.33) 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
38.29% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average

In 2024, the financial autonomy of ASSUREURS CONSEILS ASSOCIES (38.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.33 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average +9 pts over 3 years

In 2024, the repayment capacity of ASSUREURS CONSEILS ASSOCIES (2.33) 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 164.05. 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 2.6x. Financial charges are adequately covered by operations.

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

164.049

Interest coverage (2024) ?
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

2.636

Liquidity indicators evolution
ASSUREURS CONSEILS ASSOCIES

Sector positioning

Liquidity ratio
164.05 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average -21 pts over 3 years

In 2024, the liquidity ratio of ASSUREURS CONSEILS ASSOCIES (164.05) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
2.64x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Excellent +22 pts over 3 years

In 2024, the interest coverage of ASSUREURS CONSEILS ASSOCIES (2.6x) 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: 6 days. Favorable situation: supplier credit is longer than customer credit by 6 days. WCR is negative (-42 days): operations structurally generate cash. Notable WCR improvement over the period (-1445%), freeing up cash.

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

-175 400 €

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

6 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 in days of revenue (2024) ?
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

-42 j

WCR and payment terms evolution
ASSUREURS CONSEILS ASSOCIES

Positioning of ASSUREURS CONSEILS ASSOCIES 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 CONSEILS ASSOCIES is estimated at 709 328 € (range 211 382€ - 2 148 704€). With an EBITDA of 299 536€, 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 2024
193 transactions
211k€ 709k€ 2148k€
709 328 € Range: 211 382€ - 2 148 704€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
299 536 € × 1.2x
Estimation 362 634 €
93 665€ - 1 850 991€
Revenue Multiple 30%
1 489 092 € × 0.98x
Estimation 1 462 926 €
407 962€ - 2 720 789€
Net Income Multiple 20%
221 430 € × 2.0x
Estimation 445 665 €
210 808€ - 2 034 862€

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 CONSEILS ASSOCIES 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 CONSEILS ASSOCIES

What is the revenue of ASSUREURS CONSEILS ASSOCIES ?

The revenue of ASSUREURS CONSEILS ASSOCIES in 2024 is 1.5 M€.

Is ASSUREURS CONSEILS ASSOCIES profitable?

Yes, ASSUREURS CONSEILS ASSOCIES generated a net profit of 221 k€ in 2024.

Where is the headquarters of ASSUREURS CONSEILS ASSOCIES ?

The headquarters of ASSUREURS CONSEILS ASSOCIES is located in SAUMUR (49400), in the department Maine-et-Loire.

Where to find the tax return of ASSUREURS CONSEILS ASSOCIES ?

The tax return of ASSUREURS CONSEILS ASSOCIES 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 CONSEILS ASSOCIES operate?

ASSUREURS CONSEILS ASSOCIES 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.