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CONJONCTION ASSURANCE : revenue, balance sheet and financial ratios

CONJONCTION ASSURANCE is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ORVAULT (44700), this company of category PME shows in 2019 a revenue of 48 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - CONJONCTION ASSURANCE (SIREN 509759866)
Indicator 2020 2019
Revenue N/C 48 349 €
Net income -3 336 € 427 €
EBITDA N/C 3 431 €
Net margin N/C 0.9%

Revenue and income statement

In 2020, CONJONCTION ASSURANCE records a net loss of 3 k€. This deficit will reduce equity on the balance sheet.

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-3 336 €

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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 52%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 61%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

51.809%

Financial autonomy (2020) ?
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

60.878%

Asset age ratio (2020) ?
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

7.5%

Solvency indicators evolution
CONJONCTION ASSURANCE

Sector positioning

Debt ratio
51.81 2020
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.13
Average +9 pts over 2 years

In 2020, the debt ratio of CONJONCTION ASSURANCE (51.81) 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
60.88% 2020
2019
2020
Q1: 17.1%
Med: 45.63%
Q3: 71.57%
Good -10 pts over 2 years

In 2020, the financial autonomy of CONJONCTION ASSURANCE (60.9%) 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.

Repayment capacity
11.24 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.26 years
Watch

In 2019, the repayment capacity of CONJONCTION ASSURANCE (11.24) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 394.37. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

394.374

Liquidity indicators evolution
CONJONCTION ASSURANCE

Sector positioning

Liquidity ratio
394.37 2020
2019
2020
Q1: 121.71
Med: 223.76
Q3: 459.81
Good +16 pts over 2 years

In 2020, the liquidity ratio of CONJONCTION ASSURANCE (394.37) 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
0.47x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.31x
Good

In 2019, the interest coverage of CONJONCTION ASSURANCE (0.5x) 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 (2020) ?
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 (2020) ?
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 (2020) ?
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 (2020) ?
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
CONJONCTION ASSURANCE

Positioning of CONJONCTION ASSURANCE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare CONJONCTION 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 CONJONCTION ASSURANCE

What is the revenue of CONJONCTION ASSURANCE ?

The revenue of CONJONCTION ASSURANCE in 2019 is 48 k€.

Is CONJONCTION ASSURANCE profitable?

CONJONCTION ASSURANCE recorded a net loss in 2020.

Where is the headquarters of CONJONCTION ASSURANCE ?

The headquarters of CONJONCTION ASSURANCE is located in ORVAULT (44700), in the department Loire-Atlantique.

Where to find the tax return of CONJONCTION ASSURANCE ?

The tax return of CONJONCTION 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 CONJONCTION ASSURANCE operate?

CONJONCTION 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.