Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

SMART INSURANCE : revenue, balance sheet and financial ratios

SMART INSURANCE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLICHY (92110), this company of category PME shows in 2024 a net income positive of 487 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - SMART INSURANCE (SIREN 831792239)
Indicator 2024 2023 2022 2021
Revenue N/C N/C N/C N/C
Net income 486 626 € 304 728 € 248 511 € 206 027 €
EBITDA N/C N/C N/C N/C
Net margin N/C N/C N/C N/C

Revenue and income statement

In 2024, SMART INSURANCE generates positive net income of 487 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2021-2024: 206 k€ -> 487 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

486 626 €

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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 14%. 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 61%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

13.565%

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

61.416%

Asset age ratio (2024) ?
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

49.5%

Solvency indicators evolution
SMART INSURANCE

Sector positioning

Debt ratio
13.56 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Average

In 2024, the debt ratio of SMART INSURANCE (13.56) 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
61.42% 2024
2022
2023
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Good

In 2024, the financial autonomy of SMART INSURANCE (61.4%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 274.82. 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

274.82

Liquidity indicators evolution
SMART INSURANCE

Sector positioning

Liquidity ratio
274.82 2024
2022
2023
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Good -7 pts over 3 years

In 2024, the liquidity ratio of SMART INSURANCE (274.82) 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.

Positioning of SMART INSURANCE 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 SMART INSURANCE is estimated at 979 417 € (range 463 283€ - 4 471 918€). 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 2024
193 transactions
463k€ 979k€ 4471k€
979 417 € Range: 463 283€ - 4 471 918€
NAF 5 all-time

Valuation method used

Net Income Multiple
486 626 € × 2.0x = 979 417 €
Range: 463 283€ - 4 471 919€

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 SMART INSURANCE with other companies in the same sector:

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

Frequently asked questions about SMART INSURANCE

What is the revenue of SMART INSURANCE ?

The revenue of SMART INSURANCE is not publicly disclosed (confidential accounts filed with INPI).

Is SMART INSURANCE profitable?

Yes, SMART INSURANCE generated a net profit of 487 k€ in 2024.

Where is the headquarters of SMART INSURANCE ?

The headquarters of SMART INSURANCE is located in CLICHY (92110), in the department Hauts-de-Seine.

Where to find the tax return of SMART INSURANCE ?

The tax return of SMART INSURANCE 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 SMART INSURANCE operate?

SMART INSURANCE 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.