SIREN : 803099290
AVAS ASSURANCES is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in RŒULX (59172), this company of category PME shows in 2024 a revenue of 134 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2021 |
|---|---|---|
| Revenue | 134 236 € | 282 728 € |
| Net income | 30 016 € | 10 669 € |
| EBITDA | 31 425 € | 13 851 € |
| Net margin | 22.4% | 3.8% |
In 2024, AVAS ASSURANCES achieves revenue of 134 k€. Significant drop of -53% vs 2021. After deducting consumption (0 €), gross margin stands at 134 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 31 k€, representing 23.4% of revenue. Positive scissor effect: EBITDA margin improves by +18.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 30 k€, i.e. 22.4% of revenue. This profit can be retained or distributed to shareholders.
134 236 €
134 236 €
31 425 €
30 645 €
30 016 €
23.4%
The debt ratio (= Financial debt / Equity x 100) stands at 21%. 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 76%. 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 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 22.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
21.019%
75.868%
22.943%
3.319
46.3%
In 2024, the debt ratio of AVAS ASSURANCES (21.02) 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 2024, the financial autonomy of AVAS ASSURANCES (75.9%) 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.
In 2024, the repayment capacity of AVAS ASSURANCES (3.32) 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 141.58. 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 3.8x. Financial charges are adequately covered by operations.
141.579
3.765
In 2024, the liquidity ratio of AVAS ASSURANCES (141.58) 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.
In 2024, the interest coverage of AVAS ASSURANCES (3.8x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 241 days. Excellent situation: suppliers finance 241 days of the operating cycle (retail model). Overall, WCR represents 126 days of revenue, i.e. 47 k€ to permanently finance.
46 867 €
0 j
241 j
0 j
126 j
Based on 193 transactions of similar company sales (all years), the value of AVAS ASSURANCES is estimated at 70 668 € (range 21 661€ - 225 843€). With an EBITDA of 31 425€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare AVAS ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AVAS ASSURANCES in 2024 is 134 k€.
Yes, AVAS ASSURANCES generated a net profit of 30 k€ in 2024.
The headquarters of AVAS ASSURANCES is located in RŒULX (59172), in the department Nord.
The tax return of AVAS ASSURANCES 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).
AVAS ASSURANCES 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.