FRANCO ANGLAISE D'ASSURANCES FAA : revenue, balance sheet and financial ratios

FRANCO ANGLAISE D'ASSURANCES FAA is a French company founded 69 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2024 a revenue of 694 k€. 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 - FRANCO ANGLAISE D'ASSURANCES FAA (SIREN 307548347)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 694 349 € 685 725 € 610 147 € 581 287 € 615 289 € 668 795 € 573 313 € 587 164 € 551 712 €
Net income 18 239 € 20 046 € 22 172 € -46 370 € 41 532 € 42 286 € 11 898 € 8 235 € 12 978 €
EBITDA -58 202 € 18 058 € 20 185 € -33 567 € 55 985 € 62 585 € 2 595 € -6 222 € 12 213 €
Net margin 2.6% 2.9% 3.6% -8.0% 6.7% 6.3% 2.1% 1.4% 2.4%

Revenue and income statement

In 2024, FRANCO ANGLAISE D'ASSURANCES FAA achieves revenue of 694 k€. Revenue is growing positively over 9 years (CAGR: +2.9%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 694 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -58 k€, representing -8.4% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -422%, reducing margin by 11.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 18 k€, i.e. 2.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

694 349 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

694 349 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-58 202 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

34 268 €

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

18 239 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-8.3%

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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 1%. 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 39%. 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 1.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

1.291%

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

38.7%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

1.507%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.437

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

23.0%

Solvency indicators evolution
FRANCO ANGLAISE D'ASSURANCES FAA

Sector positioning

Debt ratio
1.29 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Good

In 2024, the debt ratio of FRANCO ANGLAISE D'ASSURAN... (1.29) 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
38.7% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of FRANCO ANGLAISE D'ASSURAN... (38.7%) 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
0.44 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of FRANCO ANGLAISE D'ASSURAN... (0.44) 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 86.41. 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

86.41

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
FRANCO ANGLAISE D'ASSURANCES FAA

Sector positioning

Liquidity ratio
86.41 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Watch +6 pts over 3 years

In 2024, the liquidity ratio of FRANCO ANGLAISE D'ASSURAN... (86.41) 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 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average -32 pts over 3 years

In 2024, the interest coverage of FRANCO ANGLAISE D'ASSURAN... (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. Average customer payment term: 66 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 172 days. Excellent situation: suppliers finance 106 days of the operating cycle (retail model). WCR is negative (-29 days): operations structurally generate cash. Over 2016-2024, WCR increased by +54%, requiring additional financing.

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

-55 027 €

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

66 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

172 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-29 j

WCR and payment terms evolution
FRANCO ANGLAISE D'ASSURANCES FAA

Positioning of FRANCO ANGLAISE D'ASSURANCES FAA 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 FRANCO ANGLAISE D'ASSURANCES FAA is estimated at 423 972 € (range 121 082€ - 828 250€). 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.

Estimated enterprise value 2024
193 transactions
121k€ 423k€ 828k€
423 972 € Range: 121 082€ - 828 250€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
694 349 € × 0.98x
Estimation 682 148 €
190 228€ - 1 268 677€
Net Income Multiple 20%
18 239 € × 2.0x
Estimation 36 709 €
17 364€ - 167 610€

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 FRANCO ANGLAISE D'ASSURANCES FAA with other companies in the same sector:

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

Frequently asked questions about FRANCO ANGLAISE D'ASSURANCES FAA

What is the revenue of FRANCO ANGLAISE D'ASSURANCES FAA ?

The revenue of FRANCO ANGLAISE D'ASSURANCES FAA in 2024 is 694 k€.

Is FRANCO ANGLAISE D'ASSURANCES FAA profitable?

Yes, FRANCO ANGLAISE D'ASSURANCES FAA generated a net profit of 18 k€ in 2024.

Where is the headquarters of FRANCO ANGLAISE D'ASSURANCES FAA ?

The headquarters of FRANCO ANGLAISE D'ASSURANCES FAA is located in NICE (06000), in the department Alpes-Maritimes.

Where to find the tax return of FRANCO ANGLAISE D'ASSURANCES FAA ?

The tax return of FRANCO ANGLAISE D'ASSURANCES FAA 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 FRANCO ANGLAISE D'ASSURANCES FAA operate?

FRANCO ANGLAISE D'ASSURANCES FAA 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.