SIREN : 529529612
LPA ASSURANCES is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOURG-SAINT-ANDEOL (07700), this company of category PME shows in 2024 a revenue of 1.7 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 676 986 € | 1 580 168 € | 1 472 416 € | N/C | 1 193 765 € | 1 154 260 € | N/C | N/C |
| Net income | 251 312 € | 253 949 € | 221 861 € | 153 356 € | 155 001 € | 123 457 € | 115 355 € | 101 907 € |
| EBITDA | 366 759 € | 364 413 € | 280 908 € | N/C | 186 422 € | 158 320 € | N/C | N/C |
| Net margin | 15.0% | 16.1% | 15.1% | N/C | 13.0% | 10.7% | N/C | N/C |
In 2024, LPA ASSURANCES achieves revenue of 1.7 M€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.8%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 1.7 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 367 k€, representing 21.9% 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 251 k€, i.e. 15.0% of revenue. This profit can be retained or distributed to shareholders.
1 676 986 €
1 676 986 €
366 759 €
334 424 €
251 312 €
21.9%
The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 81%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
13.275%
81.09%
17.234%
0.632
43.7%
In 2024, the debt ratio of LPA ASSURANCES (13.28) 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 LPA ASSURANCES (81.1%) 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 2024, the repayment capacity of LPA ASSURANCES (0.63) 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 728.62. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.
728.619
1.114
In 2024, the liquidity ratio of LPA ASSURANCES (728.62) 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 LPA ASSURANCES (1.1x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 13 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. Favorable situation: supplier credit is longer than customer credit by 19 days. Overall, WCR represents 15 days of revenue, i.e. 72 k€ to permanently finance.
72 027 €
13 j
32 j
0 j
15 j
Based on 193 transactions of similar company sales (all years), the value of LPA ASSURANCES is estimated at 817 426 € (range 243 025€ - 2 514 321€). With an EBITDA of 366 759€, 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.
Ajustez les pondérations selon votre analyse
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 LPA ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LPA ASSURANCES in 2024 is 1.7 M€.
Yes, LPA ASSURANCES generated a net profit of 251 k€ in 2024.
The headquarters of LPA ASSURANCES is located in BOURG-SAINT-ANDEOL (07700), in the department Ardeche.
The tax return of LPA 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).
LPA 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.