SIREN : 820910578
PCT ASSURANCES is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANTONY (92160), this company of category PME shows in 2022 a revenue of 158 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
| Indicator | 2022 | 2017 |
|---|---|---|
| Revenue | 157 714 € | 63 510 € |
| Net income | 22 250 € | 16 516 € |
| EBITDA | 27 878 € | 22 569 € |
| Net margin | 14.1% | 26.0% |
In 2022, PCT ASSURANCES achieves revenue of 158 k€. Vs 2017, growth of +148% (64 k€ -> 158 k€). After deducting consumption (0 €), gross margin stands at 158 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 28 k€, representing 17.7% of revenue. Warning negative scissor effect: despite revenue change (+148%), EBITDA varies by +24%, reducing margin by 17.9 pts. This reflects costs rising faster than 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 22 k€, i.e. 14.1% of revenue. This profit can be retained or distributed to shareholders.
157 714 €
157 714 €
27 878 €
27 056 €
22 250 €
17.7%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 66%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 14.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.491%
66.192%
14.633%
0.016
59.1%
In 2022, the debt ratio of PCT ASSURANCES (0.49) 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 PCT ASSURANCES (66.2%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2022, the repayment capacity of PCT ASSURANCES (0.02) 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 255.44. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
255.439
0.0
In 2022, the liquidity ratio of PCT ASSURANCES (255.44) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2022, the interest coverage of PCT 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 14 days. Favorable situation: supplier credit is longer than customer credit by 14 days. WCR is negative (-12 days): operations structurally generate cash.
-5 159 €
0 j
14 j
0 j
-12 j
Based on 193 transactions of similar company sales (all years), the value of PCT ASSURANCES is estimated at 72 314 € (range 21 557€ - 213 480€). With an EBITDA of 27 878€, 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 PCT ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PCT ASSURANCES in 2022 is 158 k€.
Yes, PCT ASSURANCES generated a net profit of 22 k€ in 2022.
The headquarters of PCT ASSURANCES is located in ANTONY (92160), in the department Hauts-de-Seine.
The tax return of PCT 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).
PCT 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.