Employees: 11 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 2000-01-01 (26 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: FREJUS (83600), Var
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
FREMA ASSURANCES : revenue, balance sheet and financial ratios
FREMA ASSURANCES is a French company
founded 26 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in FREJUS (83600),
this company of category PME
shows in 2022 a revenue of 1.6 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - FREMA ASSURANCES (SIREN 429871031)
Indicator
2024
2023
2022
2021
2020
Revenue
N/C
N/C
1 646 377 €
N/C
N/C
Net income
117 572 €
174 143 €
181 347 €
21 461 €
49 684 €
EBITDA
N/C
N/C
227 513 €
N/C
N/C
Net margin
N/C
N/C
11.0%
N/C
N/C
Revenue and income statement
In 2024, FREMA ASSURANCES generates positive net income of 118 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2024: 50 k€ -> 118 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
117 572 €
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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 17%. 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 63%. 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
17.313%
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
62.943%
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
2020
2021
2022
2023
2024
Debt ratio
51.103
49.787
18.485
15.903
17.313
Financial autonomy
49.533
46.146
50.528
58.378
62.943
Repayment capacity
None
None
1.357
None
None
Cash flow / Revenue
None%
None%
10.818%
None%
None%
Sector positioning
Debt ratio
17.312024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average
In 2024, the debt ratio of FREMA ASSURANCES (17.31) 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
62.94%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good+10 pts over 3 years
In 2024, the financial autonomy of FREMA ASSURANCES (62.9%) 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.
Repayment capacity
1.36 years2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average
In 2022, the repayment capacity of FREMA ASSURANCES (1.36) 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 134.72. 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
134.715
Liquidity indicators evolution FREMA ASSURANCES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2020
2021
2022
2023
2024
Liquidity ratio
101.414
85.316
92.496
110.417
134.715
Interest coverage
None
None
2.398
None
None
Sector positioning
Liquidity ratio
134.722024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average+6 pts over 3 years
In 2024, the liquidity ratio of FREMA ASSURANCES (134.72) 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
2.4x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Excellent
In 2022, the interest coverage of FREMA ASSURANCES (2.4x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
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 FREMA ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2020
2021
2022
2023
2024
Operating WCR
0 €
0 €
702 312 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
Supplier payment term (days)
0
0
526
0
0
Positioning of FREMA ASSURANCES 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 FREMA ASSURANCES is estimated at
236 633 €
(range 111 932€ - 1 080 444€).
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
111k€236k€1080k€
236 633 €Range: 111 932€ - 1 080 444€
NAF 5 all-time
Valuation method used
Net Income Multiple
117 572 €
×
2.0x
=236 634 €
Range: 111 932€ - 1 080 445€
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 FREMA ASSURANCES with other companies in the same sector:
The revenue of FREMA ASSURANCES in 2022 is 1.6 M€.
Is FREMA ASSURANCES profitable?
Yes, FREMA ASSURANCES generated a net profit of 118 k€ in 2024.
Where is the headquarters of FREMA ASSURANCES ?
The headquarters of FREMA ASSURANCES is located in FREJUS (83600), in the department Var.
Where to find the tax return of FREMA ASSURANCES ?
The tax return of FREMA ASSURANCES 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 FREMA ASSURANCES operate?
FREMA ASSURANCES 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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