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SARL J.P. ASSURANCES : revenue, balance sheet and financial ratios

SARL J.P. ASSURANCES is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-BERTHEVIN (53940), this company of category PME shows in 2022 a revenue of 601 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 J.P. ASSURANCES (SIREN 793560699)
Indicator 2023 2022
Revenue N/C 600 582 €
Net income 0 € 99 172 €
EBITDA N/C 131 880 €
Net margin N/C 16.5%

Revenue and income statement

In 2023, SARL J.P. ASSURANCES records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 15%. 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 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

14.89%

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

11.856%

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

36.3%

Solvency indicators evolution
SARL J.P. ASSURANCES

Sector positioning

Debt ratio
14.89 2023
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average

In 2023, the debt ratio of SARL J.P. ASSURANCES (14.89) 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
11.86% 2023
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average

In 2023, the financial autonomy of SARL J.P. ASSURANCES (11.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.51 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average

In 2022, the repayment capacity of SARL J.P. ASSURANCES (1.51) 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 455.86. 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

455.855

Liquidity indicators evolution
SARL J.P. ASSURANCES

Sector positioning

Liquidity ratio
455.86 2023
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Good +11 pts over 2 years

In 2023, the liquidity ratio of SARL J.P. ASSURANCES (455.86) 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
2.23x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of SARL J.P. ASSURANCES (2.2x) 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 J.P. ASSURANCES

Positioning of SARL J.P. ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare SARL J.P. 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 SARL J.P. ASSURANCES

What is the revenue of SARL J.P. ASSURANCES ?

The revenue of SARL J.P. ASSURANCES in 2022 is 601 k€.

Is SARL J.P. ASSURANCES profitable?

Yes, SARL J.P. ASSURANCES generated a net profit of 99 k€ in 2022.

Where is the headquarters of SARL J.P. ASSURANCES ?

The headquarters of SARL J.P. ASSURANCES is located in SAINT-BERTHEVIN (53940), in the department Mayenne.

Where to find the tax return of SARL J.P. ASSURANCES ?

The tax return of SARL J.P. 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 SARL J.P. ASSURANCES operate?

SARL J.P. 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.