FINAXY BANCASSURANCE : revenue, balance sheet and financial ratios

FINAXY BANCASSURANCE is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-PIERRE-DES-CORPS (37700), this company of category ETI shows in 2017 a revenue of 4.1 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 - FINAXY BANCASSURANCE (SIREN 487994436)
Indicator 2024 2023 2022 2019 2017 2016 2015 2014
Revenue N/C N/C N/C N/C 4 110 322 € 3 335 582 € 1 792 633 € 1 321 801 €
Net income 2 234 371 € 1 992 093 € 1 767 703 € 1 252 339 € 587 166 € 266 012 € 234 501 € 209 807 €
EBITDA N/C N/C N/C N/C 821 894 € 354 740 € 333 515 € 268 356 €
Net margin N/C N/C N/C N/C 14.3% 8.0% 13.1% 15.9%

Revenue and income statement

In 2024, FINAXY BANCASSURANCE generates positive net income of 2.2 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2014-2024: 210 k€ -> 2.2 M€.

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

2 234 371 €

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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 4%. 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 17%. 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

3.5%

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

17.299%

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

13.3%

Solvency indicators evolution
FINAXY BANCASSURANCE

Sector positioning

Debt ratio
3.5 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good -30 pts over 3 years

In 2024, the debt ratio of FINAXY BANCASSURANCE (3.50) 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
17.3% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average

In 2024, the financial autonomy of FINAXY BANCASSURANCE (17.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 121.75. 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

121.753

Liquidity indicators evolution
FINAXY BANCASSURANCE

Sector positioning

Liquidity ratio
121.75 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average

In 2024, the liquidity ratio of FINAXY BANCASSURANCE (121.75) 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.

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
FINAXY BANCASSURANCE

Positioning of FINAXY BANCASSURANCE 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 FINAXY BANCASSURANCE is estimated at 4 497 050 € (range 2 127 191€ - 20 533 069€). 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
2127k€ 4497k€ 20533k€
4 497 050 € Range: 2 127 191€ - 20 533 069€
NAF 5 all-time

Valuation method used

Net Income Multiple
2 234 371 € × 2.0x = 4 497 050 €
Range: 2 127 191€ - 20 533 069€

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 FINAXY BANCASSURANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about FINAXY BANCASSURANCE

What is the revenue of FINAXY BANCASSURANCE ?

The revenue of FINAXY BANCASSURANCE in 2017 is 4.1 M€.

Is FINAXY BANCASSURANCE profitable?

Yes, FINAXY BANCASSURANCE generated a net profit of 2.2 M€ in 2024.

Where is the headquarters of FINAXY BANCASSURANCE ?

The headquarters of FINAXY BANCASSURANCE is located in SAINT-PIERRE-DES-CORPS (37700), in the department Indre-et-Loire.

Where to find the tax return of FINAXY BANCASSURANCE ?

The tax return of FINAXY BANCASSURANCE 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 FINAXY BANCASSURANCE operate?

FINAXY BANCASSURANCE 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.