PIVATY ASSURANCES : revenue, balance sheet and financial ratios

PIVATY ASSURANCES is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CAYENNE (97300), this company of category PME shows in 2021 a revenue of 1.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - PIVATY ASSURANCES (SIREN 350095451)
Indicator 2024 2023 2022 2021 2020 2019
Revenue N/C N/C N/C 1 443 446 € 1 632 968 € 1 723 616 €
Net income 91 626 € 79 105 € 28 592 € 106 636 € 86 817 € 99 461 €
EBITDA N/C N/C N/C -2 562 € 112 585 € 167 363 €
Net margin N/C N/C N/C 7.4% 5.3% 5.8%

Revenue and income statement

In 2024, PIVATY ASSURANCES generates positive net income of 92 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2024: 99 k€ -> 92 k€.

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

91 626 €

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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 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 71%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

0.0%

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

71.115%

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

5.2%

Solvency indicators evolution
PIVATY ASSURANCES

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent

In 2024, the debt ratio of PIVATY ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
71.11% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good +45 pts over 3 years

In 2024, the financial autonomy of PIVATY ASSURANCES (71.1%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 219.50. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

219.505

Liquidity indicators evolution
PIVATY ASSURANCES

Sector positioning

Liquidity ratio
219.5 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average +22 pts over 3 years

In 2024, the liquidity ratio of PIVATY ASSURANCES (219.50) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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

0 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

0 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 and payment terms evolution
PIVATY ASSURANCES

Positioning of PIVATY ASSURANCES 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 PIVATY ASSURANCES is estimated at 184 412 € (range 87 230€ - 842 010€). 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
87k€ 184k€ 842k€
184 412 € Range: 87 230€ - 842 010€
NAF 5 all-time

Valuation method used

Net Income Multiple
91 626 € × 2.0x = 184 413 €
Range: 87 231€ - 842 010€

Only this financial indicator is available for this company.

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 PIVATY ASSURANCES with other companies in the same sector:

Frequently asked questions about PIVATY ASSURANCES

What is the revenue of PIVATY ASSURANCES ?

The revenue of PIVATY ASSURANCES in 2021 is 1.4 M€.

Is PIVATY ASSURANCES profitable?

Yes, PIVATY ASSURANCES generated a net profit of 92 k€ in 2024.

Where is the headquarters of PIVATY ASSURANCES ?

The headquarters of PIVATY ASSURANCES is located in CAYENNE (97300), in the department Guyane.

Where to find the tax return of PIVATY ASSURANCES ?

The tax return of PIVATY 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).

In which sector does PIVATY ASSURANCES operate?

PIVATY 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.