EMILE ISAUTIER ASSURANCES : revenue, balance sheet and financial ratios

EMILE ISAUTIER ASSURANCES is a French company founded 43 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-DENIS (97400), this company of category PME shows in 2025 a revenue of 2.7 M€. 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 - EMILE ISAUTIER ASSURANCES (SIREN 325731446)
Indicator 2025 2024 2023 2022 2021 2020 2019 2017
Revenue 2 741 018 € 2 418 471 € 2 669 818 € 2 039 007 € 1 860 993 € 1 878 320 € 1 973 593 € 2 168 385 €
Net income 635 712 € 235 802 € 797 479 € 382 665 € 1 590 103 € 507 730 € 434 973 € 493 032 €
EBITDA 826 467 € 690 788 € 1 021 214 € 462 168 € 352 604 € 488 600 € 509 579 € 780 160 €
Net margin 23.2% 9.8% 29.9% 18.8% 85.4% 27.0% 22.0% 22.7%

Revenue and income statement

In 2025, EMILE ISAUTIER ASSURANCES achieves revenue of 2.7 M€. Revenue is growing positively over 8 years (CAGR: +3.0%). Vs 2024, growth of +13% (2.4 M€ -> 2.7 M€). After deducting consumption (0 €), gross margin stands at 2.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 826 k€, representing 30.2% 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 636 k€, i.e. 23.2% 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

2 741 018 €

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

2 741 018 €

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

826 467 €

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

834 686 €

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

635 712 €

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

30.2%

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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 3%. 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 67%. 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 23.0% 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

2.74%

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

67.055%

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

22.955%

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

0.072

Asset age ratio (2025) ?
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

14.5%

Solvency indicators evolution
EMILE ISAUTIER ASSURANCES

Sector positioning

Debt ratio
2.74 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Good -10 pts over 3 years

In 2025, the debt ratio of EMILE ISAUTIER ASSURANCES (2.74) 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
67.06% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Good -11 pts over 3 years

In 2025, the financial autonomy of EMILE ISAUTIER ASSURANCES (67.1%) 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
0.07 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.02 years
Q3: 1.45 years
Average

In 2025, the repayment capacity of EMILE ISAUTIER ASSURANCES (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 275.09. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

275.091

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

0.123

Liquidity indicators evolution
EMILE ISAUTIER ASSURANCES

Sector positioning

Liquidity ratio
275.09 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Average -24 pts over 3 years

In 2025, the liquidity ratio of EMILE ISAUTIER ASSURANCES (275.09) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.12x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.93x
Good

In 2025, the interest coverage of EMILE ISAUTIER ASSURANCES (0.1x) 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. Average customer payment term: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 111 days. Excellent situation: suppliers finance 92 days of the operating cycle (retail model). WCR is negative (-12 days): operations structurally generate cash. Over 2017-2025, WCR increased by +93%, requiring additional financing.

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

-89 056 €

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

19 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

111 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

-12 j

WCR and payment terms evolution
EMILE ISAUTIER ASSURANCES

Positioning of EMILE ISAUTIER 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 EMILE ISAUTIER ASSURANCES is estimated at 1 564 034 € (range 475 545€ - 5 224 452€). With an EBITDA of 826 467€, 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
475k€ 1564k€ 5224k€
1 564 034 € Range: 475 545€ - 5 224 452€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
826 467 € × 1.2x
Estimation 1 000 565 €
258 436€ - 5 107 175€
Revenue Multiple 30%
2 741 018 € × 0.98x
Estimation 2 692 853 €
750 948€ - 5 008 240€
Net Income Multiple 20%
635 712 € × 2.0x
Estimation 1 279 478 €
605 218€ - 5 841 966€

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 EMILE ISAUTIER 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 EMILE ISAUTIER ASSURANCES

What is the revenue of EMILE ISAUTIER ASSURANCES ?

The revenue of EMILE ISAUTIER ASSURANCES in 2025 is 2.7 M€.

Is EMILE ISAUTIER ASSURANCES profitable?

Yes, EMILE ISAUTIER ASSURANCES generated a net profit of 636 k€ in 2025.

Where is the headquarters of EMILE ISAUTIER ASSURANCES ?

The headquarters of EMILE ISAUTIER ASSURANCES is located in SAINT-DENIS (97400), in the department La Reunion.

Where to find the tax return of EMILE ISAUTIER ASSURANCES ?

The tax return of EMILE ISAUTIER 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 EMILE ISAUTIER ASSURANCES operate?

EMILE ISAUTIER 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.