SARL ASSURANCES SUNERGI'A : revenue, balance sheet and financial ratios

SARL ASSURANCES SUNERGI'A is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SARREGUEMINES (57200), this company of category PME shows in 2019 a revenue of 828 k€. 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 - SARL ASSURANCES SUNERGI'A (SIREN 482643194)
Indicator 2023 2021 2019 2018 2017 2016
Revenue N/C N/C 828 348 € 795 693 € 745 308 € 716 286 €
Net income 46 695 € 51 069 € 24 654 € 29 098 € 37 333 € 39 058 €
EBITDA N/C N/C 62 604 € 47 691 € 61 630 € 63 760 €
Net margin N/C N/C 3.0% 3.7% 5.0% 5.5%

Revenue and income statement

In 2023, SARL ASSURANCES SUNERGI'A generates positive net income of 47 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2023: 39 k€ -> 47 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

46 695 €

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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 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 88%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

7.007%

Financial autonomy (2023) ?
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

87.626%

Asset age ratio (2023) ?
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

7.4%

Solvency indicators evolution
SARL ASSURANCES SUNERGI'A

Sector positioning

Debt ratio
7.01 2023
2019
2021
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Good -13 pts over 3 years

In 2023, the debt ratio of SARL ASSURANCES SUNERGI'A (7.01) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
87.63% 2023
2019
2021
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Excellent

In 2023, the financial autonomy of SARL ASSURANCES SUNERGI'A (87.6%) 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.

Repayment capacity
3.12 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Average

In 2019, the repayment capacity of SARL ASSURANCES SUNERGI'A (3.12) 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 455.73. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

455.731

Liquidity indicators evolution
SARL ASSURANCES SUNERGI'A

Sector positioning

Liquidity ratio
455.73 2023
2019
2021
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Good +10 pts over 3 years

In 2023, the liquidity ratio of SARL ASSURANCES SUNERGI'A (455.73) 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
4.56x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Excellent

In 2019, the interest coverage of SARL ASSURANCES SUNERGI'A (4.6x) 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) and payment terms

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

Operating WCR (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
SARL ASSURANCES SUNERGI'A

Positioning of SARL ASSURANCES SUNERGI'A 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 SARL ASSURANCES SUNERGI'A is estimated at 93 981 € (range 44 455€ - 429 110€). 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 2023
193 transactions
44k€ 93k€ 429k€
93 981 € Range: 44 455€ - 429 110€
NAF 5 all-time

Valuation method used

Net Income Multiple
46 695 € × 2.0x = 93 982 €
Range: 44 455€ - 429 110€

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 SARL ASSURANCES SUNERGI'A with other companies in the same sector:

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

Frequently asked questions about SARL ASSURANCES SUNERGI'A

What is the revenue of SARL ASSURANCES SUNERGI'A ?

The revenue of SARL ASSURANCES SUNERGI'A in 2019 is 828 k€.

Is SARL ASSURANCES SUNERGI'A profitable?

Yes, SARL ASSURANCES SUNERGI'A generated a net profit of 47 k€ in 2023.

Where is the headquarters of SARL ASSURANCES SUNERGI'A ?

The headquarters of SARL ASSURANCES SUNERGI'A is located in SARREGUEMINES (57200), in the department Moselle.

Where to find the tax return of SARL ASSURANCES SUNERGI'A ?

The tax return of SARL ASSURANCES SUNERGI'A 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 SARL ASSURANCES SUNERGI'A operate?

SARL ASSURANCES SUNERGI'A 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.