SIREN : 404343808
ASSUR'INVEST is a French company founded 30 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHOLET (49300), this company of category PME shows in 2021 a revenue of 570 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
| Indicator | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 569 693 € | 573 021 € | 550 430 € | 485 027 € | 570 402 € | 550 608 € |
| Net income | 31 549 € | 71 220 € | 55 543 € | 52 721 € | 138 868 € | 111 799 € |
| EBITDA | 35 238 € | 94 200 € | 75 226 € | 82 120 € | 198 761 € | 165 635 € |
| Net margin | 5.5% | 12.4% | 10.1% | 10.9% | 24.3% | 20.3% |
In 2021, ASSUR'INVEST achieves revenue of 570 k€. Revenue is growing positively over 6 years (CAGR: +0.7%). Slight decline of -1% vs 2020. After deducting consumption (0 €), gross margin stands at 570 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 35 k€, representing 6.2% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -63%, reducing margin by 10.3 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 32 k€, i.e. 5.5% of revenue. This profit can be retained or distributed to shareholders.
569 693 €
569 693 €
35 238 €
32 056 €
31 549 €
6.2%
The debt ratio (= Financial debt / Equity x 100) stands at 114%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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 14.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
114.213%
46.047%
4.747%
14.394
0.5%
In 2021, the debt ratio of ASSUR'INVEST (114.21) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2021, the financial autonomy of ASSUR'INVEST (46.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of ASSUR'INVEST (14.39) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 5333.58. 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 15.0x. Operating income very largely covers interest expenses: high safety margin.
5333.578
14.995
In 2021, the liquidity ratio of ASSUR'INVEST (5333.58) 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.
In 2021, the interest coverage of ASSUR'INVEST (15.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. Favorable situation: supplier credit is longer than customer credit by 2 days. Overall, WCR represents 19 days of revenue, i.e. 30 k€ to permanently finance. Over 2016-2021, WCR increased by +140%, requiring additional financing.
30 108 €
3 j
5 j
0 j
19 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 81 527€ to 386 604€ is provided for information purposes only and requires in-depth analysis to be confirmed.
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare ASSUR'INVEST with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASSUR'INVEST in 2021 is 570 k€.
Yes, ASSUR'INVEST generated a net profit of 32 k€ in 2021.
The headquarters of ASSUR'INVEST is located in CHOLET (49300), in the department Maine-et-Loire.
The tax return of ASSUR'INVEST 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).
ASSUR'INVEST 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.