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FRESSE ASSURANCES : revenue, balance sheet and financial ratios

FRESSE ASSURANCES is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AMBERIEU-EN-BUGEY (01500), this company of category PME shows in 2022 a revenue of 791 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 - FRESSE ASSURANCES (SIREN 397746678)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 791 303 € N/C N/C N/C N/C N/C N/C
Net income 285 926 € 193 500 € 210 723 € 198 080 € 241 117 € 190 717 € 204 405 € 211 131 € 209 615 €
EBITDA N/C N/C 256 888 € N/C N/C N/C N/C N/C N/C
Net margin N/C N/C 26.6% N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, FRESSE ASSURANCES generates positive net income of 286 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 210 k€ -> 286 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

285 926 €

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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 77%. 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

1.485%

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

76.873%

Solvency indicators evolution
FRESSE ASSURANCES

Sector positioning

Debt ratio
1.49 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good

In 2024, the debt ratio of FRESSE ASSURANCES (1.49) 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
76.87% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent +25 pts over 3 years

In 2024, the financial autonomy of FRESSE ASSURANCES (76.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.0 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Excellent

In 2022, the repayment capacity of FRESSE ASSURANCES (0.00) 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 370.00. 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

370.005

Liquidity indicators evolution
FRESSE ASSURANCES

Sector positioning

Liquidity ratio
370.0 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good +24 pts over 3 years

In 2024, the liquidity ratio of FRESSE ASSURANCES (370.00) 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.

Interest coverage
0.0x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Average

In 2022, the interest coverage of FRESSE ASSURANCES (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
FRESSE ASSURANCES

Positioning of FRESSE 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 FRESSE ASSURANCES is estimated at 575 474 € (range 272 210€ - 2 627 557€). 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
272k€ 575k€ 2627k€
575 474 € Range: 272 210€ - 2 627 557€
NAF 5 all-time

Valuation method used

Net Income Multiple
285 926 € × 2.0x = 575 475 €
Range: 272 211€ - 2 627 558€

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 FRESSE ASSURANCES with other companies in the same sector:

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

Frequently asked questions about FRESSE ASSURANCES

What is the revenue of FRESSE ASSURANCES ?

The revenue of FRESSE ASSURANCES in 2022 is 791 k€.

Is FRESSE ASSURANCES profitable?

Yes, FRESSE ASSURANCES generated a net profit of 286 k€ in 2024.

Where is the headquarters of FRESSE ASSURANCES ?

The headquarters of FRESSE ASSURANCES is located in AMBERIEU-EN-BUGEY (01500), in the department Ain.

Where to find the tax return of FRESSE ASSURANCES ?

The tax return of FRESSE 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 FRESSE ASSURANCES operate?

FRESSE 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.