SINE.QUA.NON ASSURANCES : revenue, balance sheet and financial ratios

SINE.QUA.NON ASSURANCES is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LEVALLOIS-PERRET (92300), this company of category PME shows in 2023 a revenue of 1.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - SINE.QUA.NON ASSURANCES (SIREN 889959888)
Indicator 2025 2024 2023 2022
Revenue N/C N/C 1 103 345 € 1 026 918 €
Net income 245 782 € 364 166 € 445 822 € 418 710 €
EBITDA N/C N/C 605 071 € 579 369 €
Net margin N/C N/C 40.4% 40.8%

Revenue and income statement

In 2025, SINE.QUA.NON ASSURANCES generates positive net income of 246 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2025: 419 k€ -> 246 k€.

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

245 782 €

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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 120%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

120.305%

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

41.266%

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

54.6%

Solvency indicators evolution
SINE.QUA.NON ASSURANCES

Sector positioning

Debt ratio
120.31 2025
2023
2024
2025
Q1: 0.0
Med: 5.25
Q3: 44.01
Watch

In 2025, the debt ratio of SINE.QUA.NON ASSURANCES (120.31) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
41.27% 2025
2023
2024
2025
Q1: 14.47%
Med: 50.82%
Q3: 78.71%
Average -9 pts over 3 years

In 2025, the financial autonomy of SINE.QUA.NON ASSURANCES (41.3%) 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
1.49 years 2023
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of SINE.QUA.NON ASSURANCES (1.49) 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 259.23. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

259.228

Liquidity indicators evolution
SINE.QUA.NON ASSURANCES

Sector positioning

Liquidity ratio
259.23 2025
2023
2024
2025
Q1: 157.68
Med: 329.7
Q3: 847.44
Average

In 2025, the liquidity ratio of SINE.QUA.NON ASSURANCES (259.23) 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
1.98x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good

In 2023, the interest coverage of SINE.QUA.NON ASSURANCES (2.0x) 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.

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

0 €

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

0 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

0 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 and payment terms evolution
SINE.QUA.NON ASSURANCES

Positioning of SINE.QUA.NON 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 SINE.QUA.NON ASSURANCES is estimated at 494 677 € (range 233 992€ - 2 258 648€). 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
233k€ 494k€ 2258k€
494 677 € Range: 233 992€ - 2 258 648€
NAF 5 all-time

Valuation method used

Net Income Multiple
245 782 € × 2.0x = 494 678 €
Range: 233 992€ - 2 258 649€

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 SINE.QUA.NON 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 SINE.QUA.NON ASSURANCES

What is the revenue of SINE.QUA.NON ASSURANCES ?

The revenue of SINE.QUA.NON ASSURANCES in 2023 is 1.1 M€.

Is SINE.QUA.NON ASSURANCES profitable?

Yes, SINE.QUA.NON ASSURANCES generated a net profit of 246 k€ in 2025.

Where is the headquarters of SINE.QUA.NON ASSURANCES ?

The headquarters of SINE.QUA.NON ASSURANCES is located in LEVALLOIS-PERRET (92300), in the department Hauts-de-Seine.

Where to find the tax return of SINE.QUA.NON ASSURANCES ?

The tax return of SINE.QUA.NON 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 SINE.QUA.NON ASSURANCES operate?

SINE.QUA.NON 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.