L EUROPEENNE D ASSURANCE : revenue, balance sheet and financial ratios

L EUROPEENNE D ASSURANCE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in EGUILLES (13510), this company of category PME shows in 2022 a revenue of 871 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 - L EUROPEENNE D ASSURANCE (SIREN 499833317)
Indicator 2024 2023 2022 2021 2020 2019 2018 2015
Revenue N/C N/C 871 173 € N/C N/C N/C N/C 611 121 €
Net income 302 393 € 206 937 € 193 496 € 182 522 € 155 811 € 151 856 € 149 020 € 122 045 €
EBITDA N/C N/C 259 093 € N/C N/C N/C N/C 189 428 €
Net margin N/C N/C 22.2% N/C N/C N/C N/C 20.0%

Revenue and income statement

In 2024, L EUROPEENNE D ASSURANCE generates positive net income of 302 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2024: 122 k€ -> 302 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

302 393 €

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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 24%. 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 75%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

24.05%

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

74.949%

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

28.6%

Solvency indicators evolution
L EUROPEENNE D ASSURANCE

Sector positioning

Debt ratio
24.05 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average

In 2024, the debt ratio of L EUROPEENNE D ASSURANCE (24.05) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
74.95% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good

In 2024, the financial autonomy of L EUROPEENNE D ASSURANCE (75.0%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
1.85 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Average

In 2022, the repayment capacity of L EUROPEENNE D ASSURANCE (1.85) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 489.69. 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

489.689

Liquidity indicators evolution
L EUROPEENNE D ASSURANCE

Sector positioning

Liquidity ratio
489.69 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good

In 2024, the liquidity ratio of L EUROPEENNE D ASSURANCE (489.69) 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.

Interest coverage
1.66x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good

In 2022, the interest coverage of L EUROPEENNE D ASSURANCE (1.7x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. 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
L EUROPEENNE D ASSURANCE

Positioning of L EUROPEENNE D ASSURANCE 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 L EUROPEENNE D ASSURANCE is estimated at 608 617 € (range 287 887€ - 2 778 883€). 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
287k€ 608k€ 2778k€
608 617 € Range: 287 887€ - 2 778 883€
NAF 5 all-time

Valuation method used

Net Income Multiple
302 393 € × 2.0x = 608 617 €
Range: 287 888€ - 2 778 883€

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 L EUROPEENNE D ASSURANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about L EUROPEENNE D ASSURANCE

What is the revenue of L EUROPEENNE D ASSURANCE ?

The revenue of L EUROPEENNE D ASSURANCE in 2022 is 871 k€.

Is L EUROPEENNE D ASSURANCE profitable?

Yes, L EUROPEENNE D ASSURANCE generated a net profit of 302 k€ in 2024.

Where is the headquarters of L EUROPEENNE D ASSURANCE ?

The headquarters of L EUROPEENNE D ASSURANCE is located in EGUILLES (13510), in the department Bouches-du-Rhone.

Where to find the tax return of L EUROPEENNE D ASSURANCE ?

The tax return of L EUROPEENNE D ASSURANCE 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 L EUROPEENNE D ASSURANCE operate?

L EUROPEENNE D ASSURANCE 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.