SIREN : 442408621
NOVA ASSURANCES is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-PIERRE (97410), this company of category PME shows in 2024 a revenue of 2.7 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2 707 352 € | 2 634 197 € | 2 775 018 € | 2 446 097 € | 2 124 352 € | 2 139 992 € | 2 204 428 € | 2 106 846 € | N/C |
| Net income | 224 775 € | 164 191 € | 87 639 € | 410 506 € | 261 270 € | 286 470 € | 218 356 € | 298 991 € | 478 343 € |
| EBITDA | 415 318 € | 376 592 € | 260 511 € | 618 805 € | 406 652 € | 343 959 € | 343 661 € | 479 932 € | N/C |
| Net margin | 8.3% | 6.2% | 3.2% | 16.8% | 12.3% | 13.4% | 9.9% | 14.2% | N/C |
In 2024, NOVA ASSURANCES achieves revenue of 2.7 M€. Revenue is growing positively over 9 years (CAGR: +3.6%). Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 2.7 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 415 k€, representing 15.3% 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 225 k€, i.e. 8.3% of revenue. This profit can be retained or distributed to shareholders.
2 707 352 €
2 707 352 €
415 318 €
394 092 €
224 775 €
15.3%
The debt ratio (= Financial debt / Equity x 100) stands at 181%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 28%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 13.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
181.06%
27.84%
13.404%
3.819
73.1%
In 2024, the debt ratio of NOVA ASSURANCES (181.06) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of NOVA ASSURANCES (27.8%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of NOVA ASSURANCES (3.82) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 138.36. 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 11.6x. Operating income very largely covers interest expenses: high safety margin.
138.356
11.566
In 2024, the liquidity ratio of NOVA ASSURANCES (138.36) 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.
In 2024, the interest coverage of NOVA ASSURANCES (11.6x) 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: 10 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 17 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-56 days): operations structurally generate cash.
-420 262 €
10 j
17 j
0 j
-56 j
Based on 193 transactions of similar company sales (all years), the value of NOVA ASSURANCES is estimated at 1 139 816 € (range 330 250€ - 3 180 372€). With an EBITDA of 415 318€, 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 NOVA ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of NOVA ASSURANCES in 2024 is 2.7 M€.
Yes, NOVA ASSURANCES generated a net profit of 225 k€ in 2024.
The headquarters of NOVA ASSURANCES is located in SAINT-PIERRE (97410), in the department La Reunion.
The tax return of NOVA 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).
NOVA 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.