SAINT PIERRE ASSURANCES : revenue, balance sheet and financial ratios

SAINT PIERRE ASSURANCES is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TOURS (37000), this company of category ETI shows in 2025 a revenue of 32.2 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

Financial history - SAINT PIERRE ASSURANCES (SIREN 519106108)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 32 239 681 € 27 996 482 € 23 227 492 € 18 476 283 € 15 393 658 € 12 472 854 € 10 638 177 € 9 319 141 € 8 004 289 € 5 525 657 €
Net income 18 482 967 € 16 188 600 € 13 013 532 € 9 562 933 € 7 764 530 € 6 183 231 € 4 960 489 € 4 273 047 € 3 789 994 € 2 375 889 €
EBITDA 24 599 331 € 21 327 014 € 17 464 854 € 13 096 106 € 10 877 672 € 8 711 103 € 7 333 651 € 6 407 167 € 5 727 842 € 3 625 028 €
Net margin 57.3% 57.8% 56.0% 51.8% 50.4% 49.6% 46.6% 45.9% 47.3% 43.0%

Revenue and income statement

In 2025, SAINT PIERRE ASSURANCES achieves revenue of 32.2 M€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +21.6%. Vs 2024, growth of +15% (28.0 M€ -> 32.2 M€). After deducting consumption (0 €), gross margin stands at 32.2 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 24.6 M€, representing 76.3% of 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 18.5 M€, i.e. 57.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

32 239 681 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

32 239 681 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

24 599 331 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

24 318 959 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

18 482 967 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

76.2%

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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 6%. 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 75%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 58.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.54%

Financial autonomy (2025) ?
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

74.872%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

58.078%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.071

Asset age ratio (2025) ?
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

41.9%

Solvency indicators evolution
SAINT PIERRE ASSURANCES

Sector positioning

Debt ratio
5.54 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Average +12 pts over 3 years

In 2025, the debt ratio of SAINT PIERRE ASSURANCES (5.54) 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
74.87% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Good

In 2025, the financial autonomy of SAINT PIERRE ASSURANCES (74.9%) 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.

Repayment capacity
0.07 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.02 years
Q3: 1.45 years
Average +15 pts over 3 years

In 2025, the repayment capacity of SAINT PIERRE ASSURANCES (0.07) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 443.83. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2025) ?
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

443.832

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.032

Liquidity indicators evolution
SAINT PIERRE ASSURANCES

Sector positioning

Liquidity ratio
443.83 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Good

In 2025, the liquidity ratio of SAINT PIERRE ASSURANCES (443.83) 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.

Interest coverage
0.03x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.93x
Good

In 2025, the interest coverage of SAINT PIERRE ASSURANCES (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 16 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. The company must finance 1 days of gap between collections and payments. WCR is negative (-28 days): operations structurally generate cash.

Operating WCR (2025) ?
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

-2 551 126 €

Customer credit (2025) ?
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

16 j

Supplier credit (2025) ?
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

15 j

Inventory turnover (2025) ?
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 in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-28 j

WCR and payment terms evolution
SAINT PIERRE ASSURANCES

Positioning of SAINT PIERRE 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 SAINT PIERRE ASSURANCES is estimated at 31 832 608 € (range 10 015 153€ - 127 648 462€). With an EBITDA of 24 599 331€, 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.

Estimated enterprise value 2025
193 transactions
10015k€ 31832k€ 127648k€
31 832 608 € Range: 10 015 153€ - 127 648 462€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
24 599 331 € × 1.2x
Estimation 29 781 272 €
7 692 202€ - 152 012 222€
Revenue Multiple 30%
32 239 681 € × 0.98x
Estimation 31 673 171 €
8 832 598€ - 58 906 607€
Net Income Multiple 20%
18 482 967 € × 2.0x
Estimation 37 200 103 €
17 596 365€ - 169 851 846€

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 SAINT PIERRE 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 PIERRE ASSURANCES

What is the revenue of SAINT PIERRE ASSURANCES ?

The revenue of SAINT PIERRE ASSURANCES in 2025 is 32.2 M€.

Is SAINT PIERRE ASSURANCES profitable?

Yes, SAINT PIERRE ASSURANCES generated a net profit of 18.5 M€ in 2025.

Where is the headquarters of SAINT PIERRE ASSURANCES ?

The headquarters of SAINT PIERRE ASSURANCES is located in TOURS (37000), in the department Indre-et-Loire.

Where to find the tax return of SAINT PIERRE ASSURANCES ?

The tax return of SAINT PIERRE 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 PIERRE ASSURANCES operate?

SAINT PIERRE 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.