Employees: 11 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2006-12-15 (19 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: CHOLET (49300), Maine-et-Loire
FOUGERAY ASSOCIES : revenue, balance sheet and financial ratios
FOUGERAY ASSOCIES is a French company
founded 19 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in CHOLET (49300),
this company of category PME
shows in 2019 a revenue of 171 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - FOUGERAY ASSOCIES (SIREN 493411706)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
N/C
N/C
171 059 €
1 576 195 €
1 305 975 €
1 152 225 €
Net income
233 783 €
288 696 €
344 813 €
268 800 €
268 954 €
-3 936 €
144 838 €
78 190 €
83 988 €
EBITDA
N/C
N/C
N/C
N/C
N/C
10 080 €
174 727 €
71 429 €
89 236 €
Net margin
N/C
N/C
N/C
N/C
N/C
-2.3%
9.2%
6.0%
7.3%
Revenue and income statement
In 2024, FOUGERAY ASSOCIES generates positive net income of 234 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 84 k€ -> 234 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
233 783 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 76%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
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
3.012%
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
75.818%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
6.113
0.723
4.843
91.455
0.918
0.174
0.054
4.531
3.012
Financial autonomy
78.062
84.298
77.387
51.351
82.203
85.713
81.753
81.382
75.818
Repayment capacity
0.517
0.121
0.393
-227.242
None
None
None
None
None
Cash flow / Revenue
5.306%
3.961%
7.752%
-2.301%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
3.012024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good+10 pts over 3 years
In 2024, the debt ratio of FOUGERAY ASSOCIES (3.01) 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
75.82%2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good
In 2024, the financial autonomy of FOUGERAY ASSOCIES (75.8%) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 251.01. 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
251.008
Liquidity indicators evolution FOUGERAY ASSOCIES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
107.962
129.356
180.705
167.024
235.575
290.183
278.147
300.502
251.008
Interest coverage
5.953
0.344
0.101
156.042
None
None
None
None
None
Sector positioning
Liquidity ratio
251.012024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good
In 2024, the liquidity ratio of FOUGERAY ASSOCIES (251.01) 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.
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 FOUGERAY ASSOCIES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
-42 206 €
-16 090 €
-69 747 €
18 870 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
20
19
25
58
0
0
0
0
0
Supplier payment term (days)
19
15
16
360
0
0
0
0
0
Positioning of FOUGERAY ASSOCIES 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 FOUGERAY ASSOCIES is estimated at
470 527 €
(range 222 568€ - 2 148 382€).
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 value2024
193 transactions
222k€470k€2148k€
470 527 €Range: 222 568€ - 2 148 382€
NAF 5 all-time
Valuation method used
Net Income Multiple
233 783 €
×
2.0x
=470 528 €
Range: 222 569€ - 2 148 382€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 FOUGERAY ASSOCIES with other companies in the same sector:
Frequently asked questions about FOUGERAY ASSOCIES
What is the revenue of FOUGERAY ASSOCIES ?
The revenue of FOUGERAY ASSOCIES in 2019 is 171 k€.
Is FOUGERAY ASSOCIES profitable?
Yes, FOUGERAY ASSOCIES generated a net profit of 234 k€ in 2024.
Where is the headquarters of FOUGERAY ASSOCIES ?
The headquarters of FOUGERAY ASSOCIES is located in CHOLET (49300), in the department Maine-et-Loire.
Where to find the tax return of FOUGERAY ASSOCIES ?
The tax return of FOUGERAY ASSOCIES 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 FOUGERAY ASSOCIES operate?
FOUGERAY ASSOCIES 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.
Item evolution
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