SIREN : 349361436
SIT is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2019 a revenue of 472 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
| Indicator | 2019 | 2018 | 2016 |
|---|---|---|---|
| Revenue | 471 752 € | 438 092 € | 411 161 € |
| Net income | 221 560 € | 263 466 € | 174 286 € |
| EBITDA | 242 014 € | 274 382 € | 259 249 € |
| Net margin | 47.0% | 60.1% | 42.4% |
In 2019, SIT achieves revenue of 472 k€. Revenue is growing positively over 3 years (CAGR: +4.7%). Vs 2018: +8%. After deducting consumption (0 €), gross margin stands at 472 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 242 k€, representing 51.3% of revenue. Warning negative scissor effect: despite revenue change (+8%), EBITDA varies by -12%, reducing margin by 11.3 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 222 k€, i.e. 47.0% of revenue. This profit can be retained or distributed to shareholders.
471 752 €
471 752 €
242 014 €
242 013 €
221 560 €
51.3%
The debt ratio (= Financial debt / Equity x 100) stands at 106%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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 2.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 47.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
106.078%
46.342%
46.965%
2.353
In 2019, the debt ratio of SIT (106.08) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2019, the financial autonomy of SIT (46.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2019, the repayment capacity of SIT (2.35) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 410.89. 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 4.2x. Financial charges are adequately covered by operations.
410.891
4.208
In 2019, the liquidity ratio of SIT (410.89) 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.
In 2019, the interest coverage of SIT (4.2x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 91 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 61 days. The company must finance 30 days of gap between collections and payments. Overall, WCR represents 116 days of revenue, i.e. 152 k€ to permanently finance. Over 2016-2019, WCR increased by +20%, requiring additional financing.
151 848 €
91 j
61 j
0 j
116 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 152 203€ to 972 070€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SIT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SIT in 2019 is 472 k€.
Yes, SIT generated a net profit of 222 k€ in 2019.
The headquarters of SIT is located in PARIS (75008), in the department Paris.
The tax return of SIT 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).
SIT 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.