SIREN : 502857212
ENVERGURE REUNION is a French company founded 17 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 2019 a revenue of 555 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 555 104 € | 698 117 € | 678 764 € | 643 923 € |
| Net income | 129 129 € | 194 042 € | 251 511 € | -498 314 € |
| EBITDA | 121 840 € | 226 862 € | 254 389 € | 48 085 € |
| Net margin | 23.3% | 27.8% | 37.1% | -77.4% |
In 2019, ENVERGURE REUNION achieves revenue of 555 k€. Activity remains stable over the period (CAGR: -4.8%). Significant drop of -20% vs 2018. After deducting consumption (0 €), gross margin stands at 555 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 122 k€, representing 21.9% of revenue. Warning negative scissor effect: despite revenue change (-20%), EBITDA varies by -46%, reducing margin by 10.5 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 129 k€, i.e. 23.3% of revenue. This profit can be retained or distributed to shareholders.
555 104 €
555 104 €
121 840 €
127 476 €
129 129 €
21.9%
The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 70%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 22.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.866%
69.894%
22.429%
0.489
1.3%
In 2019, the debt ratio of ENVERGURE REUNION (6.87) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2019, the financial autonomy of ENVERGURE REUNION (69.9%) 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.
In 2019, the repayment capacity of ENVERGURE REUNION (0.49) 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 239.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
239.123
0.0
In 2019, the liquidity ratio of ENVERGURE REUNION (239.12) 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.
In 2019, the interest coverage of ENVERGURE REUNION (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 336 days. Excellent situation: suppliers finance 318 days of the operating cycle (retail model). WCR is negative (-66 days): operations structurally generate cash. Over 2016-2019, WCR increased by +92%, requiring additional financing.
-101 701 €
18 j
336 j
0 j
-66 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 126 692€ to 682 155€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 ENVERGURE REUNION with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ENVERGURE REUNION in 2019 is 555 k€.
Yes, ENVERGURE REUNION generated a net profit of 129 k€ in 2019.
The headquarters of ENVERGURE REUNION is located in SAINT-DENIS (97400), in the department La Reunion.
The tax return of ENVERGURE REUNION 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).
ENVERGURE REUNION 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.