Employees: 12 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 2002-11-20 (23 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: LE TAMPON (97430), La Reunion
AVENIR ASSURANCES : revenue, balance sheet and financial ratios
AVENIR ASSURANCES is a French company
founded 23 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LE TAMPON (97430),
this company of category PME
shows in 2022 a revenue of 2.9 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - AVENIR ASSURANCES (SIREN 444190474)
Indicator
2024
2022
2021
2020
2019
2018
2015
Revenue
N/C
2 864 657 €
N/C
N/C
N/C
N/C
1 669 725 €
Net income
360 731 €
665 412 €
544 927 €
569 943 €
695 970 €
327 773 €
163 200 €
EBITDA
N/C
722 457 €
N/C
N/C
N/C
N/C
298 026 €
Net margin
N/C
23.2%
N/C
N/C
N/C
N/C
9.8%
Revenue and income statement
In 2024, AVENIR ASSURANCES generates positive net income of 361 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2024: 163 k€ -> 361 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
360 731 €
Loading income statement...
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
Loading data...
Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
Loading data...
Item
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 74%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 53%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
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
74.436%
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
52.727%
Asset age ratio (2024)
?
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
2018
2019
2020
2021
2022
2024
Debt ratio
31.756
22.758
9.225
33.529
27.378
38.214
74.436
Financial autonomy
38.482
62.692
72.475
63.89
66.701
63.125
52.727
Repayment capacity
0.446
None
None
None
None
1.168
None
Cash flow / Revenue
14.093%
None%
None%
None%
None%
24.22%
None%
Sector positioning
Debt ratio
74.442024
2021
2022
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average+19 pts over 3 years
In 2024, the debt ratio of AVENIR ASSURANCES (74.44) 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
52.73%2024
2021
2022
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good-15 pts over 3 years
In 2024, the financial autonomy of AVENIR ASSURANCES (52.7%) 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
1.17 years2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average
In 2022, the repayment capacity of AVENIR ASSURANCES (1.17) 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 463.76. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
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
463.762
Liquidity indicators evolution AVENIR ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2018
2019
2020
2021
2022
2024
Liquidity ratio
112.225
229.095
190.369
266.498
193.096
230.178
463.762
Interest coverage
2.055
None
None
None
None
1.553
None
Sector positioning
Liquidity ratio
463.762024
2021
2022
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good+24 pts over 3 years
In 2024, the liquidity ratio of AVENIR ASSURANCES (463.76) 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
1.55x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good
In 2022, the interest coverage of AVENIR ASSURANCES (1.6x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
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
0 €
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
0 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 and payment terms evolution AVENIR ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2018
2019
2020
2021
2022
2024
Operating WCR
-249 540 €
0 €
0 €
0 €
0 €
153 746 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
Supplier payment term (days)
9
0
0
0
0
17
0
Positioning of AVENIR ASSURANCES 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 AVENIR ASSURANCES is estimated at
726 032 €
(range 343 427€ - 3 314 988€).
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 value2024
193 transactions
343k€726k€3314k€
726 032 €Range: 343 427€ - 3 314 988€
NAF 5 all-time
Valuation method used
Net Income Multiple
360 731 €
×
2.0x
=726 032 €
Range: 343 427€ - 3 314 989€
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 AVENIR ASSURANCES with other companies in the same sector:
Frequently asked questions about AVENIR ASSURANCES
What is the revenue of AVENIR ASSURANCES ?
The revenue of AVENIR ASSURANCES in 2022 is 2.9 M€.
Is AVENIR ASSURANCES profitable?
Yes, AVENIR ASSURANCES generated a net profit of 361 k€ in 2024.
Where is the headquarters of AVENIR ASSURANCES ?
The headquarters of AVENIR ASSURANCES is located in LE TAMPON (97430), in the department La Reunion.
Where to find the tax return of AVENIR ASSURANCES ?
The tax return of AVENIR 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).
In which sector does AVENIR ASSURANCES operate?
AVENIR 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.
Item evolution
Rotate your phone to landscape mode to view the chart