SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE
SIREN : 328286257
Employees: 02 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1983-07-01 (42 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: PARIS (75016), Paris
SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE : revenue, balance sheet and financial ratios
SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE is a French company
founded 42 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in PARIS (75016),
this company of category PME
shows in 2024 a revenue of 1.3 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE (SIREN 328286257)
Indicator
2024
2023
2020
2019
2018
2017
2016
Revenue
1 256 846 €
1 198 356 €
794 105 €
675 267 €
725 586 €
599 214 €
533 892 €
Net income
174 270 €
194 440 €
172 781 €
129 963 €
-66 849 €
65 926 €
64 527 €
EBITDA
253 732 €
271 633 €
295 070 €
259 001 €
317 762 €
288 620 €
292 842 €
Net margin
13.9%
16.2%
21.8%
19.2%
-9.2%
11.0%
12.1%
Revenue and income statement
In 2024, SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE achieves revenue of 1.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.3%. Vs 2023: +5%. After deducting consumption (0 €), gross margin stands at 1.3 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 254 k€, representing 20.2% of revenue. Warning negative scissor effect: despite revenue change (+5%), EBITDA varies by -7%, reducing margin by 2.5 pts. This reflects costs rising faster than 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 174 k€, i.e. 13.9% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2024)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
1 256 846 €
Gross margin (2024)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
1 256 846 €
EBITDA (2024)
?
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
253 732 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
195 218 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
174 270 €
EBITDA margin (2024)
?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
20.2%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 58%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 10.9% 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 (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
0.0%
Financial autonomy (2024)
?
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
57.625%
Cash flow / Revenue (2024)
?
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
10.91%
Repayment capacity (2024)
?
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
0.0
Solvency indicators evolution SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2023
2024
Debt ratio
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Financial autonomy
39.682
37.004
30.858
61.772
64.922
53.578
57.625
Repayment capacity
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Cash flow / Revenue
12.086%
11.002%
-1.508%
34.695%
21.739%
15.892%
10.91%
Sector positioning
Debt ratio
0.02024
2020
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent
In 2024, the debt ratio of SERVICE ASSISTANCE DES PR... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
Financial autonomy
57.62%2024
2020
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good-10 pts over 3 years
In 2024, the financial autonomy of SERVICE ASSISTANCE DES PR... (57.6%) 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
0.0 years2024
2020
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent
In 2024, the repayment capacity of SERVICE ASSISTANCE DES PR... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 228.82. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
228.823
Interest coverage (2024)
?
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
0.0
Liquidity indicators evolution SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2023
2024
Liquidity ratio
165.522
147.712
143.22
259.889
282.476
213.4
228.823
Interest coverage
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Sector positioning
Liquidity ratio
228.822024
2020
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average-9 pts over 3 years
In 2024, the liquidity ratio of SERVICE ASSISTANCE DES PR... (228.82) 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.
Interest coverage
0.0x2024
2020
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average
In 2024, the interest coverage of SERVICE ASSISTANCE DES PR... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
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: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 3 days of gap between collections and payments. WCR is negative (-88 days): operations structurally generate cash.
Operating WCR (2024)
?
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
-308 091 €
Customer credit (2024)
?
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
3 j
Supplier credit (2024)
?
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 (2024)
?
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 (2024)
?
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
-88 j
WCR and payment terms evolution SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2023
2024
Operating WCR
-350 895 €
242 238 €
-240 633 €
-197 104 €
-232 998 €
-734 496 €
-308 091 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
5
51
45
7
10
5
3
Supplier payment term (days)
0
509
138
12
16
2
0
Positioning of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE 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 SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE is estimated at
594 168 €
(range 176 153€ - 1 793 199€).
With an EBITDA of 253 732€, 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 value2024
193 transactions
176k€594k€1793k€
594 168 €Range: 176 153€ - 1 793 199€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
253 732 €×1.2x
Estimation307 182 €
79 342€ - 1 567 944€
Revenue Multiple30%
1 256 846 €×0.98x
Estimation1 234 761 €
344 334€ - 2 296 441€
Net Income Multiple20%
174 270 €×2.0x
Estimation350 748 €
165 911€ - 1 601 479€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE with other companies in the same sector:
Frequently asked questions about SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE
What is the revenue of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE ?
The revenue of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE in 2024 is 1.3 M€.
Is SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE profitable?
Yes, SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE generated a net profit of 174 k€ in 2024.
Where is the headquarters of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE ?
The headquarters of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE is located in PARIS (75016), in the department Paris.
Where to find the tax return of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE ?
The tax return of SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE 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 SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE operate?
SERVICE ASSISTANCE DES PROFESSIONNELS DE L'ASSURANCE 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.
Item evolution
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