EUROP SPORT ASSUR : revenue, balance sheet and financial ratios

EUROP SPORT ASSUR is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in DIJON (21000), this company of category PME shows in 2018 a revenue of 1.5 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

Financial history - EUROP SPORT ASSUR (SIREN 347826661)
Indicator 2022 2018 2017
Revenue N/C 1 488 478 € 1 400 376 €
Net income -124 289 € 38 019 € 57 606 €
EBITDA N/C 26 353 € 43 593 €
Net margin N/C 2.6% 4.1%

Revenue and income statement

In 2022, EUROP SPORT ASSUR records a net loss of 124 k€. This deficit will reduce equity on the balance sheet.

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-124 289 €

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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 92%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

92.41%

Financial autonomy (2022) ?
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

18.628%

Asset age ratio (2022) ?
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

83.3%

Solvency indicators evolution
EUROP SPORT ASSUR

Sector positioning

Debt ratio
92.41 2022
2017
2018
2022
Q1: 0.03
Med: 12.59
Q3: 62.94
Average +50 pts over 3 years

In 2022, the debt ratio of EUROP SPORT ASSUR (92.41) 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
18.63% 2022
2017
2018
2022
Q1: 17.59%
Med: 47.12%
Q3: 73.71%
Average -10 pts over 3 years

In 2022, the financial autonomy of EUROP SPORT ASSUR (18.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
6.08 years 2018
2017
2018
Q1: 0.0 years
Med: 0.04 years
Q3: 2.04 years
Average +50 pts over 2 years

In 2018, the repayment capacity of EUROP SPORT ASSUR (6.08) 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 120.79. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

120.793

Liquidity indicators evolution
EUROP SPORT ASSUR

Sector positioning

Liquidity ratio
120.79 2022
2017
2018
2022
Q1: 118.8
Med: 232.91
Q3: 512.08
Average -8 pts over 3 years

In 2022, the liquidity ratio of EUROP SPORT ASSUR (120.79) 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
0.0x 2018
2017
2018
Q1: 0.0x
Med: 0.0x
Q3: 2.72x
Average -46 pts over 2 years

In 2018, the interest coverage of EUROP SPORT ASSUR (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2022) ?
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 (2022) ?
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 (2022) ?
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 (2022) ?
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
EUROP SPORT ASSUR

Positioning of EUROP SPORT ASSUR in its sector

Comparison with sector Activités des agents et courtiers d'assurances

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

Compare EUROP SPORT ASSUR with other companies in the same sector:

Frequently asked questions about EUROP SPORT ASSUR

What is the revenue of EUROP SPORT ASSUR ?

The revenue of EUROP SPORT ASSUR in 2018 is 1.5 M€.

Is EUROP SPORT ASSUR profitable?

EUROP SPORT ASSUR recorded a net loss in 2022.

Where is the headquarters of EUROP SPORT ASSUR ?

The headquarters of EUROP SPORT ASSUR is located in DIJON (21000), in the department Cote-d'Or.

Where to find the tax return of EUROP SPORT ASSUR ?

The tax return of EUROP SPORT ASSUR 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 EUROP SPORT ASSUR operate?

EUROP SPORT ASSUR 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.