MATHIAS ROUYER ASSURANCES : revenue, balance sheet and financial ratios

MATHIAS ROUYER ASSURANCES is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHALON-SUR-SAONE (71100), this company of category PME shows in 2024 a revenue of 153 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

Financial history - MATHIAS ROUYER ASSURANCES (SIREN 803101146)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 152 903 € 157 789 € 138 101 € 128 188 € 68 177 € 69 216 € 47 705 € 30 650 € 20 031 €
Net income -7 885 € -7 440 € 11 280 € 34 692 € 25 453 € 29 806 € 16 948 € 13 778 € 10 444 €
EBITDA 1 412 € 2 514 € 21 297 € 49 078 € 33 075 € 35 977 € 22 250 € 16 525 € 12 344 €
Net margin -5.2% -4.7% 8.2% 27.1% 37.3% 43.1% 35.5% 45.0% 52.1%

Revenue and income statement

In 2024, MATHIAS ROUYER ASSURANCES achieves revenue of 153 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +28.9%. Slight decline of -3% vs 2023. After deducting consumption (0 €), gross margin stands at 153 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 1 k€, representing 0.9% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -8 k€ (-5.2% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

152 903 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

152 903 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

1 412 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-7 827 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-7 885 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

0.9%

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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 3%. 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 30%. The balance between equity and debt is satisfactory. 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 0.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

2.886%

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

30.485%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

0.729%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.393

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

37.2%

Solvency indicators evolution
MATHIAS ROUYER ASSURANCES

Sector positioning

Debt ratio
2.89 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Good +9 pts over 3 years

In 2024, the debt ratio of MATHIAS ROUYER ASSURANCES (2.89) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
30.48% 2024
2022
2023
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Average +13 pts over 3 years

In 2024, the financial autonomy of MATHIAS ROUYER ASSURANCES (30.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.39 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.72 years
Average +25 pts over 3 years

In 2024, the repayment capacity of MATHIAS ROUYER ASSURANCES (0.39) 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 57.98. 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

57.977

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
MATHIAS ROUYER ASSURANCES

Sector positioning

Liquidity ratio
57.98 2024
2022
2023
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Watch

In 2024, the liquidity ratio of MATHIAS ROUYER ASSURANCES (57.98) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.22x
Average

In 2024, the interest coverage of MATHIAS ROUYER ASSURANCES (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 80 days. Excellent situation: suppliers finance 80 days of the operating cycle (retail model). Overall, WCR represents 24 days of revenue, i.e. 10 k€ to permanently finance. Over 2016-2024, WCR increased by +360%, requiring additional financing.

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

10 072 €

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

80 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

24 j

WCR and payment terms evolution
MATHIAS ROUYER ASSURANCES

Positioning of MATHIAS ROUYER 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 MATHIAS ROUYER ASSURANCES is estimated at 57 399 € (range 15 984€ - 110 219€). With an EBITDA of 1 412€, 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.

Estimated enterprise value 2024
193 transactions
15k€ 57k€ 110k€
57 399 € Range: 15 984€ - 110 219€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 412 € × 1.2x
Estimation 1 709 €
442€ - 8 725€
Revenue Multiple 30%
152 903 € × 0.98x
Estimation 150 216 €
41 890€ - 279 376€

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 MATHIAS ROUYER 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 MATHIAS ROUYER ASSURANCES

What is the revenue of MATHIAS ROUYER ASSURANCES ?

The revenue of MATHIAS ROUYER ASSURANCES in 2024 is 153 k€.

Is MATHIAS ROUYER ASSURANCES profitable?

MATHIAS ROUYER ASSURANCES recorded a net loss in 2024.

Where is the headquarters of MATHIAS ROUYER ASSURANCES ?

The headquarters of MATHIAS ROUYER ASSURANCES is located in CHALON-SUR-SAONE (71100), in the department Saone-et-Loire.

Where to find the tax return of MATHIAS ROUYER ASSURANCES ?

The tax return of MATHIAS ROUYER 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 MATHIAS ROUYER ASSURANCES operate?

MATHIAS ROUYER 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.