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SAINT BARTH ASSURANCES : revenue, balance sheet and financial ratios

SAINT BARTH ASSURANCES is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT BARTHELEMY (97133), this company of category PME shows in 2019 a net income positive of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - SAINT BARTH ASSURANCES (SIREN 384081444)
Indicator 2019 2018 2017
Revenue N/C N/C N/C
Net income 1 255 064 € 1 227 355 € 384 568 €
EBITDA N/C N/C N/C
Net margin N/C N/C N/C

Revenue and income statement

In 2019, SAINT BARTH ASSURANCES generates positive net income of 1.3 M€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2019: 385 k€ -> 1.3 M€.

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 255 064 €

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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 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 43%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

32.333%

Financial autonomy (2019) ?
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

43.007%

Asset age ratio (2019) ?
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

78.2%

Solvency indicators evolution
SAINT BARTH ASSURANCES

Sector positioning

Debt ratio
32.33 2019
2017
2018
2019
Q1: 0.02
Med: 10.37
Q3: 63.27
Average -15 pts over 3 years

In 2019, the debt ratio of SAINT BARTH ASSURANCES (32.33) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
43.01% 2019
2017
2018
2019
Q1: 15.58%
Med: 46.47%
Q3: 74.04%
Average +22 pts over 3 years

In 2019, the financial autonomy of SAINT BARTH ASSURANCES (43.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 143.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
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

143.973

Liquidity indicators evolution
SAINT BARTH ASSURANCES

Sector positioning

Liquidity ratio
143.97 2019
2017
2018
2019
Q1: 110.23
Med: 205.98
Q3: 471.94
Average -10 pts over 3 years

In 2019, the liquidity ratio of SAINT BARTH ASSURANCES (143.97) 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.

Positioning of SAINT BARTH ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 1 023 674€ to 6 222 046€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2019
Indicative
1023k€ 1544k€ 6222k€
1 544 726 € Range: 1 023 674€ - 6 222 046€
NAF 5 année 2019

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 38 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 SAINT BARTH ASSURANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about SAINT BARTH ASSURANCES

What is the revenue of SAINT BARTH ASSURANCES ?

The revenue of SAINT BARTH ASSURANCES is not publicly disclosed (confidential accounts filed with INPI).

Is SAINT BARTH ASSURANCES profitable?

Yes, SAINT BARTH ASSURANCES generated a net profit of 1.3 M€ in 2019.

Where is the headquarters of SAINT BARTH ASSURANCES ?

The headquarters of SAINT BARTH ASSURANCES is located in SAINT BARTHELEMY (97133), in the department Guadeloupe.

Where to find the tax return of SAINT BARTH ASSURANCES ?

The tax return of SAINT BARTH 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 SAINT BARTH ASSURANCES operate?

SAINT BARTH 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.