GROUPE FRUCTI ASSURANCES : revenue, balance sheet and financial ratios

GROUPE FRUCTI ASSURANCES is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-DOULCHARD (18230), this company of category PME shows in 2019 a revenue of 174 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 - GROUPE FRUCTI ASSURANCES (SIREN 484547419)
Indicator 2024 2023 2022 2019 2018 2017 2016 2015
Revenue N/C N/C N/C 173 917 € 178 265 € 245 403 € 139 929 € 142 202 €
Net income 0 € 0 € 0 € 14 220 € 11 988 € 71 026 € 32 595 € 34 409 €
EBITDA N/C N/C N/C 17 327 € 18 250 € 98 710 € 42 860 € 45 977 €
Net margin N/C N/C N/C 8.2% 6.7% 28.9% 23.3% 24.2%

Revenue and income statement

In 2024, GROUPE FRUCTI ASSURANCES records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2015-2019: 34 k€ -> 0 €.

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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 4%. 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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

3.506%

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

3.085%

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

22.3%

Solvency indicators evolution
GROUPE FRUCTI ASSURANCES

Sector positioning

Debt ratio
3.51 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Good -15 pts over 3 years

In 2024, the debt ratio of GROUPE FRUCTI ASSURANCES (3.51) 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
3.08% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of GROUPE FRUCTI ASSURANCES (3.1%) 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 562.81. 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

562.814

Liquidity indicators evolution
GROUPE FRUCTI ASSURANCES

Sector positioning

Liquidity ratio
562.81 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good +52 pts over 3 years

In 2024, the liquidity ratio of GROUPE FRUCTI ASSURANCES (562.81) 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
GROUPE FRUCTI ASSURANCES

Positioning of GROUPE FRUCTI ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare GROUPE FRUCTI 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 GROUPE FRUCTI ASSURANCES

What is the revenue of GROUPE FRUCTI ASSURANCES ?

The revenue of GROUPE FRUCTI ASSURANCES in 2019 is 174 k€.

Is GROUPE FRUCTI ASSURANCES profitable?

Yes, GROUPE FRUCTI ASSURANCES generated a net profit of 14 k€ in 2019.

Where is the headquarters of GROUPE FRUCTI ASSURANCES ?

The headquarters of GROUPE FRUCTI ASSURANCES is located in SAINT-DOULCHARD (18230), in the department Cher.

Where to find the tax return of GROUPE FRUCTI ASSURANCES ?

The tax return of GROUPE FRUCTI 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 GROUPE FRUCTI ASSURANCES operate?

GROUPE FRUCTI 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.