CABINET ARAMIS ASSURANCE : revenue, balance sheet and financial ratios

CABINET ARAMIS ASSURANCE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ROUEN (76000), this company of category PME shows in 2025 a revenue of 66 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CABINET ARAMIS ASSURANCE (SIREN 830653374)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 65 729 € 52 375 € 55 723 € 35 136 € 39 948 € 38 269 € 29 430 € 35 925 € N/C
Net income 48 521 € 39 034 € 40 660 € 24 556 € 27 384 € 26 310 € 22 606 € 29 483 € -3 844 €
EBITDA 62 778 € 49 701 € 53 036 € 33 276 € 37 771 € 35 803 € 26 076 € 33 918 € -3 844 €
Net margin 73.8% 74.5% 73.0% 69.9% 68.5% 68.8% 76.8% 82.1% N/C

Revenue and income statement

In 2025, CABINET ARAMIS ASSURANCE achieves revenue of 66 k€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +9.0%. Vs 2024, growth of +25% (52 k€ -> 66 k€). After deducting consumption (0 €), gross margin stands at 66 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 63 k€, representing 95.5% of 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 49 k€, i.e. 73.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

65 729 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

65 729 €

EBITDA (2025) ?
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

62 778 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

62 778 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

48 521 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

95.5%

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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 5%. 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 86%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 73.8% 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 (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.273%

Financial autonomy (2025) ?
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

85.907%

Cash flow / Revenue (2025) ?
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

73.82%

Repayment capacity (2025) ?
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

0.065

Solvency indicators evolution
CABINET ARAMIS ASSURANCE

Sector positioning

Debt ratio
5.27 2025
2023
2024
2025
Q1: 0.0
Med: 5.25
Q3: 44.01
Good

In 2025, the debt ratio of CABINET ARAMIS ASSURANCE (5.27) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
85.91% 2025
2023
2024
2025
Q1: 14.47%
Med: 50.82%
Q3: 78.71%
Excellent +8 pts over 3 years

In 2025, the financial autonomy of CABINET ARAMIS ASSURANCE (85.9%) 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.

Repayment capacity
0.07 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Average

In 2025, the repayment capacity of CABINET ARAMIS ASSURANCE (0.07) 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 1045.54. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1045.536

Interest coverage (2025) ?
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

0.0

Liquidity indicators evolution
CABINET ARAMIS ASSURANCE

Sector positioning

Liquidity ratio
1045.54 2025
2023
2024
2025
Q1: 157.68
Med: 329.7
Q3: 847.44
Excellent

In 2025, the liquidity ratio of CABINET ARAMIS ASSURANCE (1045.54) 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.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Average -25 pts over 3 years

In 2025, the interest coverage of CABINET ARAMIS ASSURANCE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 185 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 180 days. The company must finance 5 days of gap between collections and payments. Overall, WCR represents 341 days of revenue, i.e. 62 k€ to permanently finance.

Operating WCR (2025) ?
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

62 326 €

Customer credit (2025) ?
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

185 j

Supplier credit (2025) ?
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

180 j

Inventory turnover (2025) ?
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 (2025) ?
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

341 j

WCR and payment terms evolution
CABINET ARAMIS ASSURANCE

Positioning of CABINET ARAMIS ASSURANCE 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 CABINET ARAMIS ASSURANCE is estimated at 76 904 € (range 24 456€ - 319 176€). With an EBITDA of 62 778€, 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 2025
193 transactions
24k€ 76k€ 319k€
76 904 € Range: 24 456€ - 319 176€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
62 778 € × 1.2x
Estimation 76 002 €
19 631€ - 387 938€
Revenue Multiple 30%
65 729 € × 0.98x
Estimation 64 574 €
18 008€ - 120 096€
Net Income Multiple 20%
48 521 € × 2.0x
Estimation 97 657 €
46 194€ - 445 891€

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 CABINET ARAMIS ASSURANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about CABINET ARAMIS ASSURANCE

What is the revenue of CABINET ARAMIS ASSURANCE ?

The revenue of CABINET ARAMIS ASSURANCE in 2025 is 66 k€.

Is CABINET ARAMIS ASSURANCE profitable?

Yes, CABINET ARAMIS ASSURANCE generated a net profit of 49 k€ in 2025.

Where is the headquarters of CABINET ARAMIS ASSURANCE ?

The headquarters of CABINET ARAMIS ASSURANCE is located in ROUEN (76000), in the department Seine-Maritime.

Where to find the tax return of CABINET ARAMIS ASSURANCE ?

The tax return of CABINET ARAMIS ASSURANCE 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 CABINET ARAMIS ASSURANCE operate?

CABINET ARAMIS ASSURANCE 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.