SIREN : 850946823
HEURTEBIS ASSURANCES is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PONTIVY (56300), this company of category PME shows in 2024 a revenue of 1.4 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 1 351 152 € | 1 495 458 € | 1 334 862 € | 1 344 099 € | N/C | 711 594 € |
| Net income | 21 462 € | 63 272 € | 83 834 € | 51 501 € | 92 958 € | 19 576 € |
| EBITDA | 8 466 € | 124 928 € | 113 303 € | 65 650 € | N/C | 24 365 € |
| Net margin | 1.6% | 4.2% | 6.3% | 3.8% | N/C | 2.8% |
In 2024, HEURTEBIS ASSURANCES achieves revenue of 1.4 M€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.7%. Slight decline of -10% vs 2023. After deducting consumption (0 €), gross margin stands at 1.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 8 k€, representing 0.6% of revenue. Warning negative scissor effect: despite revenue change (-10%), EBITDA varies by -93%, reducing margin by 7.7 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 21 k€, i.e. 1.6% of revenue. This profit can be retained or distributed to shareholders.
1 351 152 €
1 351 152 €
8 466 €
10 437 €
21 462 €
0.6%
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 95%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 1.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
1.147%
95.022%
1.575%
1.166
In 2024, the debt ratio of HEURTEBIS ASSURANCES (1.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of HEURTEBIS ASSURANCES (95.0%) 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.
In 2024, the repayment capacity of HEURTEBIS ASSURANCES (1.17) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 385.07. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
385.07
0.0
In 2024, the liquidity ratio of HEURTEBIS ASSURANCES (385.07) 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.
In 2024, the interest coverage of HEURTEBIS 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 4 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 4 days. WCR is negative (-10 days): operations structurally generate cash. Over 2019-2024, WCR increased by +36%, requiring additional financing.
-37 373 €
4 j
4 j
0 j
-10 j
Based on 193 transactions of similar company sales (all years), the value of HEURTEBIS ASSURANCES is estimated at 411 986 € (range 116 461€ - 806 229€). With an EBITDA of 8 466€, the sector multiple of 1.2x is applied. 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare HEURTEBIS ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of HEURTEBIS ASSURANCES in 2024 is 1.4 M€.
Yes, HEURTEBIS ASSURANCES generated a net profit of 21 k€ in 2024.
The headquarters of HEURTEBIS ASSURANCES is located in PONTIVY (56300), in the department Morbihan.
The tax return of HEURTEBIS 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).
HEURTEBIS 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.