MON ASSURANCE FACILE : revenue, balance sheet and financial ratios

MON ASSURANCE FACILE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PUTEAUX (92800), this company of category GE shows in 2024 a revenue of 22.5 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

Financial history - MON ASSURANCE FACILE (SIREN 523227080)
Indicator 2024 2023 2020 2019 2018 2017 2016
Revenue 22 485 000 € 19 772 000 € 15 077 000 € 14 123 000 € 11 566 000 € 9 208 000 € 9 360 000 €
Net income 1 141 000 € 630 000 € -247 000 € -641 000 € -1 360 000 € -3 076 000 € -4 180 000 €
EBITDA 1 424 000 € 624 000 € 76 000 € 385 000 € -5 594 000 € -1 979 000 € -3 584 000 €
Net margin 5.1% 3.2% -1.6% -4.5% -11.8% -33.4% -44.7%

Revenue and income statement

In 2024, MON ASSURANCE FACILE achieves revenue of 22.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.6%. Vs 2023, growth of +14% (19.8 M€ -> 22.5 M€). After deducting consumption (815 k€), gross margin stands at 21.7 M€, i.e. a rate of 96%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.4 M€, representing 6.3% of revenue. Positive scissor effect: EBITDA margin improves by +3.2 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.1 M€, i.e. 5.1% of revenue. This profit can be retained or distributed to shareholders.

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

22 485 000 €

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

21 670 000 €

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

1 424 000 €

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

1 073 000 €

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

1 141 000 €

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

6.3%

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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 18%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

18.457%

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

29.631%

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

6.422%

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

0.313

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

12.9%

Solvency indicators evolution
MON ASSURANCE FACILE

Sector positioning

Debt ratio
18.46 2024
2020
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average

In 2024, the debt ratio of MON ASSURANCE FACILE (18.46) 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
29.63% 2024
2020
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average +12 pts over 3 years

In 2024, the financial autonomy of MON ASSURANCE FACILE (29.6%) 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
0.31 years 2024
2020
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -22 pts over 3 years

In 2024, the repayment capacity of MON ASSURANCE FACILE (0.31) 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 169.80. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

169.797

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

0.07

Liquidity indicators evolution
MON ASSURANCE FACILE

Sector positioning

Liquidity ratio
169.8 2024
2020
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average +10 pts over 3 years

In 2024, the liquidity ratio of MON ASSURANCE FACILE (169.80) 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.

Interest coverage
0.07x 2024
2020
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Good -24 pts over 3 years

In 2024, the interest coverage of MON ASSURANCE FACILE (0.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 32 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. The company must finance 17 days of gap between collections and payments. WCR is negative (-20 days): operations structurally generate cash.

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

-1 244 095 €

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

32 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

15 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

-20 j

WCR and payment terms evolution
MON ASSURANCE FACILE

Positioning of MON ASSURANCE FACILE 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 MON ASSURANCE FACILE is estimated at 7 948 245 € (range 2 287 937€ - 18 821 913€). With an EBITDA of 1 424 000€, 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
2287k€ 7948k€ 18821k€
7 948 245 € Range: 2 287 937€ - 18 821 913€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 424 000 € × 1.2x
Estimation 1 723 971 €
445 284€ - 8 799 646€
Revenue Multiple 30%
22 485 000 € × 0.98x
Estimation 22 089 898 €
6 160 140€ - 41 083 380€
Net Income Multiple 20%
1 141 000 € × 2.0x
Estimation 2 296 456 €
1 086 268€ - 10 485 381€

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 MON ASSURANCE FACILE with other companies in the same sector:

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

Frequently asked questions about MON ASSURANCE FACILE

What is the revenue of MON ASSURANCE FACILE ?

The revenue of MON ASSURANCE FACILE in 2024 is 22.5 M€.

Is MON ASSURANCE FACILE profitable?

Yes, MON ASSURANCE FACILE generated a net profit of 1.1 M€ in 2024.

Where is the headquarters of MON ASSURANCE FACILE ?

The headquarters of MON ASSURANCE FACILE is located in PUTEAUX (92800), in the department Hauts-de-Seine.

Where to find the tax return of MON ASSURANCE FACILE ?

The tax return of MON ASSURANCE FACILE 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 MON ASSURANCE FACILE operate?

MON ASSURANCE FACILE 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.