SIREN : 919842088
JABOIS ASSURANCES is a French company founded 3 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BEAUCOUZE (49070), this company of category PME shows in 2024 a revenue of 251 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 |
|---|---|---|
| Revenue | 250 769 € | 77 281 € |
| Net income | 79 041 € | -79 941 € |
| EBITDA | 85 554 € | -75 162 € |
| Net margin | 31.5% | -103.4% |
In 2024, JABOIS ASSURANCES achieves revenue of 251 k€. Vs 2023, growth of +224% (77 k€ -> 251 k€). After deducting consumption (0 €), gross margin stands at 251 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 86 k€, representing 34.1% of revenue. Positive scissor effect: EBITDA margin improves by +131.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 79 k€, i.e. 31.5% of revenue. This profit can be retained or distributed to shareholders.
250 769 €
250 769 €
85 554 €
81 510 €
79 041 €
32.3%
The debt ratio (= Financial debt / Equity x 100) stands at 405%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 31.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
405.11%
10.955%
31.331%
0.444
81.8%
In 2024, the debt ratio of JABOIS ASSURANCES (405.11) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of JABOIS ASSURANCES (11.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of JABOIS ASSURANCES (0.44) 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 152.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 2.8x. Financial charges are adequately covered by operations.
152.26
2.834
In 2024, the liquidity ratio of JABOIS ASSURANCES (152.26) 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.
In 2024, the interest coverage of JABOIS ASSURANCES (2.8x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 92 days. Excellent situation: suppliers finance 55 days of the operating cycle (retail model). Overall, WCR represents 45 days of revenue, i.e. 32 k€ to permanently finance.
31 542 €
37 j
92 j
0 j
45 j
Based on 193 transactions of similar company sales (all years), the value of JABOIS ASSURANCES is estimated at 157 513 € (range 49 036€ - 547 070€). With an EBITDA of 85 554€, 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 JABOIS ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of JABOIS ASSURANCES in 2024 is 251 k€.
Yes, JABOIS ASSURANCES generated a net profit of 79 k€ in 2024.
The headquarters of JABOIS ASSURANCES is located in BEAUCOUZE (49070), in the department Maine-et-Loire.
The tax return of JABOIS 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).
JABOIS 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.