SIREN : 449629930
RAFFIN ASSURANCES is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHAVANOD (74650), this company of category PME shows in 2024 a revenue of 1.1 M€. 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 143 866 € | 1 113 415 € | 997 286 € | 896 626 € | 806 933 € | 861 977 € | 780 346 € | 693 843 € | 615 456 € |
| Net income | 130 014 € | 198 972 € | 113 488 € | 122 430 € | 69 548 € | 117 217 € | 113 347 € | 23 070 € | 17 069 € |
| EBITDA | 166 128 € | 239 283 € | 143 852 € | 161 273 € | 89 677 € | 147 624 € | 160 230 € | 41 014 € | 41 481 € |
| Net margin | 11.4% | 17.9% | 11.4% | 13.7% | 8.6% | 13.6% | 14.5% | 3.3% | 2.8% |
In 2024, RAFFIN ASSURANCES achieves revenue of 1.1 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.1%. Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 1.1 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 166 k€, representing 14.5% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -31%, reducing margin by 7.0 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 130 k€, i.e. 11.4% of revenue. This profit can be retained or distributed to shareholders.
1 143 866 €
1 143 866 €
166 128 €
158 009 €
130 014 €
14.5%
The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 89%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.632%
88.931%
12.352%
0.603
19.5%
In 2024, the debt ratio of RAFFIN ASSURANCES (6.63) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of RAFFIN ASSURANCES (88.9%) 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 2024, the repayment capacity of RAFFIN ASSURANCES (0.60) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 378.81. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
378.813
0.255
In 2024, the liquidity ratio of RAFFIN ASSURANCES (378.81) 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 2024, the interest coverage of RAFFIN ASSURANCES (0.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 8 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Overall, WCR represents 25 days of revenue, i.e. 78 k€ to permanently finance. Over 2016-2024, WCR increased by +468%, requiring additional financing.
78 298 €
0 j
8 j
0 j
25 j
Based on 193 transactions of similar company sales (all years), the value of RAFFIN ASSURANCES is estimated at 490 026 € (range 144 743€ - 1 379 255€). With an EBITDA of 166 128€, 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 RAFFIN ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RAFFIN ASSURANCES in 2024 is 1.1 M€.
Yes, RAFFIN ASSURANCES generated a net profit of 130 k€ in 2024.
The headquarters of RAFFIN ASSURANCES is located in CHAVANOD (74650), in the department Haute-Savoie.
The tax return of RAFFIN 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).
RAFFIN 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.