SIREN : 682021274
EURO ASSURANCE is a French company founded 58 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTREUIL (93100), this company of category ETI shows in 2024 a revenue of 29.7 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 695 349 € | 26 319 901 € | 29 658 398 € | 30 288 323 € | 30 051 173 € | 30 071 656 € | 31 107 073 € | 28 415 770 € | 27 189 081 € |
| Net income | 3 697 287 € | 2 628 719 € | 3 065 664 € | 6 054 459 € | 6 141 000 € | 5 085 482 € | 5 735 221 € | 4 927 878 € | 3 769 144 € |
| EBITDA | 6 150 335 € | 2 515 025 € | 6 088 260 € | 8 721 552 € | 8 629 499 € | 7 718 545 € | 9 317 605 € | 8 064 674 € | 6 266 414 € |
| Net margin | 12.5% | 10.0% | 10.3% | 20.0% | 20.4% | 16.9% | 18.4% | 17.3% | 13.9% |
In 2024, EURO ASSURANCE achieves revenue of 29.7 M€. Revenue is growing positively over 9 years (CAGR: +1.1%). Vs 2023, growth of +13% (26.3 M€ -> 29.7 M€). After deducting consumption (0 €), gross margin stands at 29.7 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 6.2 M€, representing 20.7% of revenue. Positive scissor effect: EBITDA margin improves by +11.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3.7 M€, i.e. 12.5% of revenue. This profit can be retained or distributed to shareholders.
29 695 349 €
29 695 349 €
6 150 335 €
5 772 718 €
3 697 287 €
20.7%
The debt ratio (= Financial debt / Equity x 100) stands at 23%. 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 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 15.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
23.131%
22.447%
15.622%
0.409
58.8%
In 2024, the debt ratio of EURO ASSURANCE (23.13) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of EURO ASSURANCE (22.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of EURO ASSURANCE (0.41) 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 141.64. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
141.643
0.031
In 2024, the liquidity ratio of EURO ASSURANCE (141.64) 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.
In 2024, the interest coverage of EURO ASSURANCE (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 223 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 473 days. Excellent situation: suppliers finance 250 days of the operating cycle (retail model). Overall, WCR represents 475 days of revenue, i.e. 39.2 M€ to permanently finance. Over 2016-2024, WCR increased by +114%, requiring additional financing.
39 178 559 €
223 j
473 j
0 j
475 j
Based on 193 transactions of similar company sales (all years), the value of EURO ASSURANCE is estimated at 13 963 310 € (range 4 106 251€ - 42 075 750€). With an EBITDA of 6 150 335€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare EURO ASSURANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of EURO ASSURANCE in 2024 is 29.7 M€.
Yes, EURO ASSURANCE generated a net profit of 3.7 M€ in 2024.
The headquarters of EURO ASSURANCE is located in MONTREUIL (93100), in the department Seine-Saint-Denis.
The tax return of EURO 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).
EURO 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.