SIREN : 507658276
OVALIE ASSURANCES is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-LEON (31560), this company of category PME shows in 2022 a revenue of 637 k€. 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 | 2022 |
|---|---|
| Revenue | 636 513 € |
| Net income | 164 008 € |
| EBITDA | 217 952 € |
| Net margin | 25.8% |
In 2022, OVALIE ASSURANCES achieves revenue of 637 k€. After deducting consumption (1 €), gross margin stands at 637 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 218 k€, representing 34.2% 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 164 k€, i.e. 25.8% of revenue. This profit can be retained or distributed to shareholders.
636 513 €
636 512 €
217 952 €
217 738 €
164 008 €
34.2%
The debt ratio (= Financial debt / Equity x 100) stands at 11%. 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 77%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 25.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
10.509%
76.519%
25.8%
0.138
32.6%
In 2022, the debt ratio of OVALIE ASSURANCES (10.51) 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 OVALIE ASSURANCES (76.5%) 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 OVALIE ASSURANCES (0.14) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 645.25. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
645.25
0.0
In 2022, the liquidity ratio of OVALIE ASSURANCES (645.25) 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 2022, the interest coverage of OVALIE 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 31 days. The company must finance 20 days of gap between collections and payments. Overall, WCR represents 40 days of revenue, i.e. 71 k€ to permanently finance.
71 461 €
51 j
31 j
0 j
40 j
Based on 193 transactions of similar company sales (all years), the value of OVALIE ASSURANCES is estimated at 385 549 € (range 117 619€ - 1 323 755€). With an EBITDA of 217 952€, 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 OVALIE ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of OVALIE ASSURANCES in 2022 is 637 k€.
Yes, OVALIE ASSURANCES generated a net profit of 164 k€ in 2022.
The headquarters of OVALIE ASSURANCES is located in SAINT-LEON (31560), in the department Haute-Garonne.
The tax return of OVALIE 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).
OVALIE 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.