SOPHIA AUDIT ASSURANCES : revenue, balance sheet and financial ratios

SOPHIA AUDIT ASSURANCES is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SANTA-REPARATA-DI-BALAGNA (20220), this company of category PME shows in 2019 a revenue of 174 k€. 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 - SOPHIA AUDIT ASSURANCES (SIREN 452279961)
Indicator 2020 2019 2018 2017 2016
Revenue N/C 173 990 € 144 915 € 144 410 € 150 715 €
Net income 0 € -5 427 € 73 € 3 233 € 9 642 €
EBITDA N/C -2 928 € 2 355 € 1 918 € 10 026 €
Net margin N/C -3.1% 0.1% 2.2% 6.4%

Revenue and income statement

In 2020, SOPHIA AUDIT 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 125%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 47%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

125.429%

Financial autonomy (2020) ?
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

47.226%

Asset age ratio (2020) ?
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

45.9%

Solvency indicators evolution
SOPHIA AUDIT ASSURANCES

Sector positioning

Debt ratio
125.43 2020
2018
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.1
Average +25 pts over 3 years

In 2020, the debt ratio of SOPHIA AUDIT ASSURANCES (125.43) 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
47.23% 2020
2018
2019
2020
Q1: 17.11%
Med: 45.63%
Q3: 71.56%
Good +26 pts over 3 years

In 2020, the financial autonomy of SOPHIA AUDIT ASSURANCES (47.2%) 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
-1.34 years 2019
2018
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Excellent -50 pts over 2 years

In 2019, the repayment capacity of SOPHIA AUDIT ASSURANCES (-1.34) 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 603.70. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

603.696

Liquidity indicators evolution
SOPHIA AUDIT ASSURANCES

Sector positioning

Liquidity ratio
603.7 2020
2018
2019
2020
Q1: 121.74
Med: 223.76
Q3: 459.53
Excellent

In 2020, the liquidity ratio of SOPHIA AUDIT ASSURANCES (603.70) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-2.22x 2019
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Average -47 pts over 2 years

In 2019, the interest coverage of SOPHIA AUDIT ASSURANCES (-2.2x) 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.

Operating WCR (2020) ?
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 (2020) ?
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 (2020) ?
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 (2020) ?
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
SOPHIA AUDIT ASSURANCES

Positioning of SOPHIA AUDIT ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

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

Compare SOPHIA AUDIT 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 SOPHIA AUDIT ASSURANCES

What is the revenue of SOPHIA AUDIT ASSURANCES ?

The revenue of SOPHIA AUDIT ASSURANCES in 2019 is 174 k€.

Is SOPHIA AUDIT ASSURANCES profitable?

SOPHIA AUDIT ASSURANCES recorded a net loss in 2019.

Where is the headquarters of SOPHIA AUDIT ASSURANCES ?

The headquarters of SOPHIA AUDIT ASSURANCES is located in SANTA-REPARATA-DI-BALAGNA (20220).

Where to find the tax return of SOPHIA AUDIT ASSURANCES ?

The tax return of SOPHIA AUDIT 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 SOPHIA AUDIT ASSURANCES operate?

SOPHIA AUDIT 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.