SIREN : 400774071
RUBINI ET ASSOCIES is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75002), this company of category PME shows in 2025 a revenue of 3.3 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
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 330 928 € | 3 304 536 € | 3 155 122 € | 3 430 050 € | 3 007 090 € | 1 857 184 € | 2 272 745 € | 2 228 810 € | 2 206 391 € | 2 136 947 € |
| Net income | 897 401 € | 744 795 € | 663 836 € | 805 391 € | 854 064 € | 239 846 € | 401 696 € | 357 137 € | 417 763 € | 469 010 € |
| EBITDA | 1 254 339 € | 881 256 € | 923 873 € | 1 144 397 € | 1 295 711 € | 298 800 € | 670 972 € | 509 292 € | 559 142 € | 649 987 € |
| Net margin | 26.9% | 22.5% | 21.0% | 23.5% | 28.4% | 12.9% | 17.7% | 16.0% | 18.9% | 21.9% |
In 2025, RUBINI ET ASSOCIES achieves revenue of 3.3 M€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +5.1%. Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 3.3 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 1.3 M€, representing 37.7% of revenue. Positive scissor effect: EBITDA margin improves by +11.0 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 897 k€, i.e. 26.9% of revenue. This profit can be retained or distributed to shareholders.
3 330 928 €
3 330 928 €
1 254 339 €
1 195 508 €
897 401 €
37.7%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 21%. The balance between equity and debt is satisfactory. 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 30.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.313%
20.847%
30.013%
0.027
54.9%
In 2025, the debt ratio of RUBINI ET ASSOCIES (1.31) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of RUBINI ET ASSOCIES (20.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of RUBINI ET ASSOCIES (0.03) 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 118.53. 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 6.7x. Operating income very largely covers interest expenses: high safety margin.
118.53
6.703
In 2025, the liquidity ratio of RUBINI ET ASSOCIES (118.53) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2025, the interest coverage of RUBINI ET ASSOCIES (6.7x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 389 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 2161 days. Excellent situation: suppliers finance 1772 days of the operating cycle (retail model). Overall, WCR represents 63 days of revenue, i.e. 584 k€ to permanently finance. Notable WCR improvement over the period (-62%), freeing up cash.
584 245 €
389 j
2161 j
0 j
63 j
Based on 193 transactions of similar company sales (all years), the value of RUBINI ET ASSOCIES is estimated at 2 102 238 € (range 640 755€ - 7 350 797€). With an EBITDA of 1 254 339€, 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 RUBINI ET ASSOCIES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RUBINI ET ASSOCIES in 2025 is 3.3 M€.
Yes, RUBINI ET ASSOCIES generated a net profit of 897 k€ in 2025.
The headquarters of RUBINI ET ASSOCIES is located in PARIS (75002), in the department Paris.
The tax return of RUBINI ET ASSOCIES 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).
RUBINI ET ASSOCIES 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.