SIREN : 529728446
BOUGREAU ASSURANCES is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in JOIGNY (89300), this company of category PME shows in 2021 a revenue of 479 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 | 479 267 € | 488 697 € | 479 836 € | 457 403 € | 509 548 € | 442 075 € |
| Net income | 76 644 € | 96 191 € | 88 469 € | 109 244 € | 38 047 € | 40 801 € |
| EBITDA | 82 504 € | 109 314 € | 94 085 € | 123 700 € | 26 016 € | 25 823 € |
| Net margin | 16.0% | 19.7% | 18.4% | 23.9% | 7.5% | 9.2% |
In 2021, BOUGREAU ASSURANCES achieves revenue of 479 k€. Revenue is growing positively over 6 years (CAGR: +1.6%). Slight decline of -2% vs 2020. After deducting consumption (0 €), gross margin stands at 479 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 83 k€, representing 17.2% of revenue. Warning negative scissor effect: despite revenue change (-2%), EBITDA varies by -25%, reducing margin by 5.2 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 77 k€, i.e. 16.0% of revenue. This profit can be retained or distributed to shareholders.
479 267 €
479 267 €
82 504 €
98 059 €
76 644 €
17.2%
The debt ratio (= Financial debt / Equity x 100) stands at 27%. 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 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
26.742%
75.704%
12.582%
2.669
60.2%
In 2021, the debt ratio of BOUGREAU ASSURANCES (26.74) 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 BOUGREAU ASSURANCES (75.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2021, the repayment capacity of BOUGREAU ASSURANCES (2.67) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1189.17. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
1189.171
0.399
In 2021, the liquidity ratio of BOUGREAU ASSURANCES (1189.17) 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 BOUGREAU ASSURANCES (0.4x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 28 days of revenue, i.e. 37 k€ to permanently finance. Over 2016-2021, WCR increased by +35%, requiring additional financing.
36 630 €
0 j
0 j
0 j
28 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 81 796€ to 414 549€ 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 BOUGREAU ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BOUGREAU ASSURANCES in 2021 is 479 k€.
Yes, BOUGREAU ASSURANCES generated a net profit of 77 k€ in 2021.
The headquarters of BOUGREAU ASSURANCES is located in JOIGNY (89300), in the department Yonne.
The tax return of BOUGREAU 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).
BOUGREAU 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.