SIREN : 789305935
SPE ASSURANCES is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BRIVE-LA-GAILLARDE (19100), this company of category PME shows in 2024 a revenue of 496 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 495 526 € | 470 460 € | 458 459 € | 425 624 € | 373 934 € | 346 653 € | 258 243 € | 188 551 € | 136 168 € |
| Net income | 252 917 € | 80 486 € | 211 197 € | 147 947 € | 177 622 € | 116 092 € | 148 052 € | 26 144 € | 76 894 € |
| EBITDA | 52 931 € | -3 975 € | 35 694 € | 61 176 € | 88 387 € | 25 303 € | 17 628 € | 17 173 € | 24 179 € |
| Net margin | 51.0% | 17.1% | 46.1% | 34.8% | 47.5% | 33.5% | 57.3% | 13.9% | 56.5% |
In 2024, SPE ASSURANCES achieves revenue of 496 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +17.5%. Vs 2023: +5%. After deducting consumption (0 €), gross margin stands at 496 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 53 k€, representing 10.7% of revenue. Positive scissor effect: EBITDA margin improves by +11.5 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 253 k€, i.e. 51.0% of revenue. This profit can be retained or distributed to shareholders.
495 526 €
495 526 €
52 931 €
70 052 €
252 917 €
10.6%
The debt ratio (= Financial debt / Equity x 100) stands at 45%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 67%. 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 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 47.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
45.063%
67.117%
47.17%
2.505
22.7%
In 2024, the debt ratio of SPE ASSURANCES (45.06) 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 2024, the financial autonomy of SPE ASSURANCES (67.1%) 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.
In 2024, the repayment capacity of SPE ASSURANCES (2.50) 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 980.92. 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 13.4x. Operating income very largely covers interest expenses: high safety margin.
980.919
13.431
In 2024, the liquidity ratio of SPE ASSURANCES (980.92) 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.
In 2024, the interest coverage of SPE ASSURANCES (13.4x) 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: 25 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 28 days. Favorable situation: supplier credit is longer than customer credit by 3 days. Overall, WCR represents 88 days of revenue, i.e. 121 k€ to permanently finance. Over 2016-2024, WCR increased by +218%, requiring additional financing.
120 884 €
25 j
28 j
0 j
88 j
Based on 193 transactions of similar company sales (all years), the value of SPE ASSURANCES is estimated at 279 893 € (range 97 160€ - 900 007€). With an EBITDA of 52 931€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SPE ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SPE ASSURANCES in 2024 is 496 k€.
Yes, SPE ASSURANCES generated a net profit of 253 k€ in 2024.
The headquarters of SPE ASSURANCES is located in BRIVE-LA-GAILLARDE (19100), in the department Correze.
The tax return of SPE 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).
SPE 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.