SIREN : 909335127
NSM ASSURANCES is a French company founded 4 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VICHY (03200), this company of category PME shows in 2022 a revenue of 4 k€. 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 | 2022 |
|---|---|
| Revenue | 3 527 € |
| Net income | -41 € |
| EBITDA | -50 € |
| Net margin | -1.2% |
In 2022, NSM ASSURANCES achieves revenue of 4 k€. After deducting consumption (0 €), gross margin stands at 4 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 -50 €, representing -1.4% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -41 € (-1.2% of revenue), which will impact equity.
3 527 €
3 527 €
-50 €
-41 €
-41 €
-1.4%
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 95%. 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 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
5.767%
94.547%
6.209%
1.306
93.3%
In 2022, the debt ratio of NSM ASSURANCES (5.77) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2022, the financial autonomy of NSM ASSURANCES (94.5%) 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 2022, the repayment capacity of NSM ASSURANCES (1.31) 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.
Based on 193 transactions of similar company sales (all years), the value of NSM ASSURANCES is estimated at 3 465 € (range 966€ - 6 444€). 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.
Only this financial indicator is available for this company.
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 NSM ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of NSM ASSURANCES in 2022 is 4 k€.
NSM ASSURANCES recorded a net loss in 2022.
The headquarters of NSM ASSURANCES is located in VICHY (03200), in the department Allier.
The tax return of NSM 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).
NSM 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.