Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

GARONA ASSURANCES ET CONSEILS : revenue, balance sheet and financial ratios

GARONA ASSURANCES ET CONSEILS is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in GRENADE (31330), this company of category PME shows in 2022 a net income positive of 43 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 - GARONA ASSURANCES ET CONSEILS (SIREN 825394828)
Indicator 2022 2021 2020
Revenue N/C N/C N/C
Net income 42 582 € 42 496 € 34 063 €
EBITDA N/C N/C N/C
Net margin N/C N/C N/C

Revenue and income statement

In 2022, GARONA ASSURANCES ET CONSEILS generates positive net income of 43 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2022: 34 k€ -> 43 k€.

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

42 582 €

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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 6%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

6.335%

Financial autonomy (2022) ?
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

4.313%

Asset age ratio (2022) ?
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

29.5%

Solvency indicators evolution
GARONA ASSURANCES ET CONSEILS

Sector positioning

Debt ratio
6.33 2022
2020
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Good +8 pts over 3 years

In 2022, the debt ratio of GARONA ASSURANCES ET CONS... (6.33) 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
4.31% 2022
2020
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Average

In 2022, the financial autonomy of GARONA ASSURANCES ET CONS... (4.3%) 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 100.83. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

100.826

Liquidity indicators evolution
GARONA ASSURANCES ET CONSEILS

Sector positioning

Liquidity ratio
100.83 2022
2020
2021
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Watch

In 2022, the liquidity ratio of GARONA ASSURANCES ET CONS... (100.83) 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.

Positioning of GARONA ASSURANCES ET CONSEILS 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 GARONA ASSURANCES ET CONSEILS is estimated at 85 703 € (range 40 539€ - 391 313€). 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 2022
193 transactions
40k€ 85k€ 391k€
85 703 € Range: 40 539€ - 391 313€
NAF 5 all-time

Valuation method used

Net Income Multiple
42 582 € × 2.0x = 85 703 €
Range: 40 539€ - 391 313€

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 GARONA ASSURANCES ET CONSEILS with other companies in the same sector:

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

Frequently asked questions about GARONA ASSURANCES ET CONSEILS

What is the revenue of GARONA ASSURANCES ET CONSEILS ?

The revenue of GARONA ASSURANCES ET CONSEILS is not publicly disclosed (confidential accounts filed with INPI).

Is GARONA ASSURANCES ET CONSEILS profitable?

Yes, GARONA ASSURANCES ET CONSEILS generated a net profit of 43 k€ in 2022.

Where is the headquarters of GARONA ASSURANCES ET CONSEILS ?

The headquarters of GARONA ASSURANCES ET CONSEILS is located in GRENADE (31330), in the department Haute-Garonne.

Where to find the tax return of GARONA ASSURANCES ET CONSEILS ?

The tax return of GARONA ASSURANCES ET CONSEILS 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 GARONA ASSURANCES ET CONSEILS operate?

GARONA ASSURANCES ET CONSEILS 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.