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INVENIA ASSURANCES : revenue, balance sheet and financial ratios

INVENIA ASSURANCES is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NIMES (30900), this company of category PME shows in 2014 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - INVENIA ASSURANCES (SIREN 508312832)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue N/C N/C N/C N/C N/C N/C N/C N/C N/C N/C 1 279 001 €
Net income 133 021 € 60 042 € 68 972 € 120 139 € 31 583 € 31 059 € 25 357 € 47 738 € 48 196 € 34 642 € 19 595 €
EBITDA N/C N/C N/C N/C N/C N/C N/C N/C N/C N/C 37 320 €
Net margin N/C N/C N/C N/C N/C N/C N/C N/C N/C N/C 1.5%

Revenue and income statement

In 2024, INVENIA ASSURANCES generates positive net income of 133 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2014-2024: 20 k€ -> 133 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

133 021 €

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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 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 22%. The balance between equity and debt is satisfactory.

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

0.0%

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

21.727%

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

12.2%

Solvency indicators evolution
INVENIA ASSURANCES

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent -13 pts over 3 years

In 2024, the debt ratio of INVENIA ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
21.73% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average +6 pts over 3 years

In 2024, the financial autonomy of INVENIA ASSURANCES (21.7%) 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 127.78. 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

127.777

Liquidity indicators evolution
INVENIA ASSURANCES

Sector positioning

Liquidity ratio
127.78 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average

In 2024, the liquidity ratio of INVENIA ASSURANCES (127.78) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. 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
INVENIA ASSURANCES

Positioning of INVENIA 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 INVENIA ASSURANCES is estimated at 267 727 € (range 126 640€ - 1 222 415€). 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
126k€ 267k€ 1222k€
267 727 € Range: 126 640€ - 1 222 415€
NAF 5 all-time

Valuation method used

Net Income Multiple
133 021 € × 2.0x = 267 727 €
Range: 126 640€ - 1 222 415€

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 INVENIA 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 INVENIA ASSURANCES

What is the revenue of INVENIA ASSURANCES ?

The revenue of INVENIA ASSURANCES in 2014 is 1.3 M€.

Is INVENIA ASSURANCES profitable?

Yes, INVENIA ASSURANCES generated a net profit of 133 k€ in 2024.

Where is the headquarters of INVENIA ASSURANCES ?

The headquarters of INVENIA ASSURANCES is located in NIMES (30900), in the department Gard.

Where to find the tax return of INVENIA ASSURANCES ?

The tax return of INVENIA 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 INVENIA ASSURANCES operate?

INVENIA 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.