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FINASSUR PREMIUM : revenue, balance sheet and financial ratios

FINASSUR PREMIUM is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CROIX (59170), this company of category PME shows in 2019 a revenue of 635 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

Financial history - FINASSUR PREMIUM (SIREN 437957921)
Indicator 2024 2023 2019
Revenue N/C N/C 634 639 €
Net income 17 498 € 18 041 € -33 264 €
EBITDA N/C N/C -21 852 €
Net margin N/C N/C -5.2%

Revenue and income statement

In 2024, FINASSUR PREMIUM generates positive net income of 17 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

17 498 €

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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 -350%. 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 -10%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-349.559%

Financial autonomy (2024) ?
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

-9.559%

Asset age ratio (2024) ?
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

48.6%

Solvency indicators evolution
FINASSUR PREMIUM

Sector positioning

Debt ratio
-349.56 2024
2019
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Excellent

In 2024, the debt ratio of FINASSUR PREMIUM (-349.56) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-9.56% 2024
2019
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average

In 2024, the financial autonomy of FINASSUR PREMIUM (-9.6%) 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
-5.65 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Excellent

In 2019, the repayment capacity of FINASSUR PREMIUM (-5.65) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 78.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

78.558

Liquidity indicators evolution
FINASSUR PREMIUM

Sector positioning

Liquidity ratio
78.56 2024
2019
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Watch

In 2024, the liquidity ratio of FINASSUR PREMIUM (78.56) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.0x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Average

In 2019, the interest coverage of FINASSUR PREMIUM (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 (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
FINASSUR PREMIUM

Positioning of FINASSUR PREMIUM 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 FINASSUR PREMIUM is estimated at 35 217 € (range 16 658€ - 160 800€). 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 2024
193 transactions
16k€ 35k€ 160k€
35 217 € Range: 16 658€ - 160 800€
NAF 5 all-time

Valuation method used

Net Income Multiple
17 498 € × 2.0x = 35 218 €
Range: 16 659€ - 160 800€

Only this financial indicator is available for this company.

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 FINASSUR PREMIUM with other companies in the same sector:

Frequently asked questions about FINASSUR PREMIUM

What is the revenue of FINASSUR PREMIUM ?

The revenue of FINASSUR PREMIUM in 2019 is 635 k€.

Is FINASSUR PREMIUM profitable?

Yes, FINASSUR PREMIUM generated a net profit of 17 k€ in 2024.

Where is the headquarters of FINASSUR PREMIUM ?

The headquarters of FINASSUR PREMIUM is located in CROIX (59170), in the department Nord.

Where to find the tax return of FINASSUR PREMIUM ?

The tax return of FINASSUR PREMIUM 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 FINASSUR PREMIUM operate?

FINASSUR PREMIUM 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.