SIREN : 421958265
LOUVET ASSURANCES is a French company founded 27 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COGNAC (16100), this company of category PME shows in 2024 a revenue of 2.8 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 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2 791 574 € | 2 805 304 € | 2 548 765 € | 2 382 015 € | 2 364 045 € | 2 340 531 € | 2 221 903 € | N/C | 2 384 529 € |
| Net income | 1 119 772 € | 1 143 446 € | 1 036 471 € | 937 342 € | 655 460 € | 606 179 € | 486 195 € | 152 686 € | 569 477 € |
| EBITDA | 431 816 € | 457 423 € | 289 042 € | 321 977 € | 467 029 € | 304 610 € | 244 967 € | N/C | 523 948 € |
| Net margin | 40.1% | 40.8% | 40.7% | 39.4% | 27.7% | 25.9% | 21.9% | N/C | 23.9% |
In 2024, LOUVET ASSURANCES achieves revenue of 2.8 M€. Revenue is growing positively over 9 years (CAGR: +2.0%). Slight decline of -0% vs 2023. After deducting consumption (0 €), gross margin stands at 2.8 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 432 k€, representing 15.5% 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 1.1 M€, i.e. 40.1% of revenue. This profit can be retained or distributed to shareholders.
2 791 574 €
2 791 574 €
431 816 €
345 404 €
1 119 772 €
15.5%
The debt ratio (= Financial debt / Equity x 100) stands at 36%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 70%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 42.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
36.066%
69.631%
42.573%
1.549
22.5%
In 2024, the debt ratio of LOUVET ASSURANCES (36.07) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of LOUVET ASSURANCES (69.6%) 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.
In 2024, the repayment capacity of LOUVET ASSURANCES (1.55) 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 608.46. 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 6.4x. Operating income very largely covers interest expenses: high safety margin.
608.464
6.429
In 2024, the liquidity ratio of LOUVET ASSURANCES (608.46) 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 2024, the interest coverage of LOUVET ASSURANCES (6.4x) 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: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. The company must finance 11 days of gap between collections and payments. Overall, WCR represents 11 days of revenue, i.e. 84 k€ to permanently finance.
83 552 €
18 j
7 j
0 j
11 j
Based on 193 transactions of similar company sales (all years), the value of LOUVET ASSURANCES is estimated at 1 534 892 € (range 510 165€ - 4 922 454€). With an EBITDA of 431 816€, 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 LOUVET ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LOUVET ASSURANCES in 2024 is 2.8 M€.
Yes, LOUVET ASSURANCES generated a net profit of 1.1 M€ in 2024.
The headquarters of LOUVET ASSURANCES is located in COGNAC (16100), in the department Charente.
The tax return of LOUVET 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).
LOUVET 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.