SIREN : 528605249
INSURANCE AND CO is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE MENOUX (36200), this company of category PME shows in 2025 a revenue of 531 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 531 135 € | 609 359 € | 552 626 € | 431 042 € | 353 835 € | 394 253 € | 421 078 € | 420 104 € | N/C |
| Net income | 388 439 € | 463 889 € | 490 109 € | 290 065 € | 233 498 € | 260 681 € | 268 349 € | 267 488 € | 178 529 € |
| EBITDA | 482 985 € | 555 675 € | 482 600 € | 376 104 € | 304 743 € | 355 934 € | 364 704 € | 367 581 € | N/C |
| Net margin | 73.1% | 76.1% | 88.7% | 67.3% | 66.0% | 66.1% | 63.7% | 63.7% | N/C |
In 2025, INSURANCE AND CO achieves revenue of 531 k€. Revenue is growing positively over 9 years (CAGR: +3.4%). Significant drop of -13% vs 2024. After deducting consumption (0 €), gross margin stands at 531 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 483 k€, representing 90.9% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 388 k€, i.e. 73.1% of revenue. This profit can be retained or distributed to shareholders.
531 135 €
531 135 €
482 985 €
482 545 €
388 439 €
90.9%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 96%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 70.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.457%
95.94%
70.731%
0.009
1.7%
In 2025, the debt ratio of INSURANCE AND CO (0.46) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of INSURANCE AND CO (95.9%) 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.
In 2025, the repayment capacity of INSURANCE AND CO (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 39073.44. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
39073.44
0.0
In 2025, the liquidity ratio of INSURANCE AND CO (39073.44) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2025, the interest coverage of INSURANCE AND CO (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: 74 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The gap of 74 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 75 days of revenue, i.e. 110 k€ to permanently finance.
110 088 €
74 j
0 j
0 j
75 j
Based on 193 transactions of similar company sales (all years), the value of INSURANCE AND CO is estimated at 605 264 € (range 193 129€ - 2 497 370€). With an EBITDA of 482 985€, 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 INSURANCE AND CO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of INSURANCE AND CO in 2025 is 531 k€.
Yes, INSURANCE AND CO generated a net profit of 388 k€ in 2025.
The headquarters of INSURANCE AND CO is located in LE MENOUX (36200), in the department Indre.
The tax return of INSURANCE AND CO 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).
INSURANCE AND CO 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.