CABINET M & S ASSURANCES : revenue, balance sheet and financial ratios

CABINET M & S ASSURANCES is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LISIEUX (14100), this company of category PME shows in 2019 a revenue of 938 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

Financial history - CABINET M & S ASSURANCES (SIREN 444532709)
Indicator 2024 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C N/C N/C 938 072 € 910 809 € 922 060 € 906 721 €
Net income 322 662 € 209 435 € 188 873 € 82 066 € 114 896 € 92 734 € 96 009 € 2 981 €
EBITDA N/C N/C N/C N/C 167 004 € 145 552 € 117 881 € 12 350 €
Net margin N/C N/C N/C N/C 12.2% 10.2% 10.4% 0.3%

Revenue and income statement

In 2024, CABINET M & S ASSURANCES generates positive net income of 323 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 3 k€ -> 323 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

322 662 €

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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 1%. 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 93%. 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

0.718%

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

92.566%

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

58.6%

Solvency indicators evolution
CABINET M & S ASSURANCES

Sector positioning

Debt ratio
0.72 2024
2021
2022
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good -12 pts over 3 years

In 2024, the debt ratio of CABINET M & S ASSURANCES (0.72) 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
92.57% 2024
2021
2022
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent

In 2024, the financial autonomy of CABINET M & S ASSURANCES (92.6%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 265.35. 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

265.348

Liquidity indicators evolution
CABINET M & S ASSURANCES

Sector positioning

Liquidity ratio
265.35 2024
2021
2022
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good +23 pts over 3 years

In 2024, the liquidity ratio of CABINET M & S ASSURANCES (265.35) 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.

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
CABINET M & S ASSURANCES

Positioning of CABINET M & S 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 CABINET M & S ASSURANCES is estimated at 649 411 € (range 307 184€ - 2 965 148€). 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 2024
193 transactions
307k€ 649k€ 2965k€
649 411 € Range: 307 184€ - 2 965 148€
NAF 5 all-time

Valuation method used

Net Income Multiple
322 662 € × 2.0x = 649 412 €
Range: 307 184€ - 2 965 148€

Only this financial indicator is available for this company.

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 M & S ASSURANCES 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 M & S ASSURANCES

What is the revenue of CABINET M & S ASSURANCES ?

The revenue of CABINET M & S ASSURANCES in 2019 is 938 k€.

Is CABINET M & S ASSURANCES profitable?

Yes, CABINET M & S ASSURANCES generated a net profit of 323 k€ in 2024.

Where is the headquarters of CABINET M & S ASSURANCES ?

The headquarters of CABINET M & S ASSURANCES is located in LISIEUX (14100), in the department Calvados.

Where to find the tax return of CABINET M & S ASSURANCES ?

The tax return of CABINET M & S 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 CABINET M & S ASSURANCES operate?

CABINET M & S 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.