Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 1986-10-14 (39 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: BORDEAUX (33000), Gironde
SUBERVIE ASSURANCES : revenue, balance sheet and financial ratios
SUBERVIE ASSURANCES is a French company
founded 39 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in BORDEAUX (33000),
this company of category PME
shows in 2022 a revenue of 1.2 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - SUBERVIE ASSURANCES (SIREN 339041535)
Indicator
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
1 231 132 €
1 268 831 €
1 313 096 €
1 329 538 €
1 285 015 €
1 298 199 €
N/C
Net income
111 477 €
99 809 €
49 104 €
164 357 €
164 625 €
195 315 €
180 764 €
175 902 €
147 326 €
161 400 €
EBITDA
N/C
N/C
N/C
211 232 €
230 444 €
270 017 €
239 805 €
232 595 €
218 143 €
N/C
Net margin
N/C
N/C
N/C
13.4%
13.0%
14.9%
13.6%
13.7%
11.3%
N/C
Revenue and income statement
In 2025, SUBERVIE ASSURANCES generates positive net income of 111 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2025: 161 k€ -> 111 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
111 477 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 93%. 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
0.0%
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
93.382%
Asset age ratio (2025)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Debt ratio
58.842
43.285
26.736
16.009
9.552
4.699
0.623
0.0
0.0
0.0
Financial autonomy
58.995
64.251
75.062
79.708
80.024
88.526
93.157
95.783
94.862
93.382
Repayment capacity
None
2.528
1.674
1.098
0.662
0.411
0.062
None
None
None
Cash flow / Revenue
None%
12.133%
13.319%
13.291%
14.963%
13.441%
13.179%
None%
None%
None%
Sector positioning
Debt ratio
0.02025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Excellent
In 2025, the debt ratio of SUBERVIE ASSURANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
Financial autonomy
93.38%2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Excellent+16 pts over 3 years
In 2025, the financial autonomy of SUBERVIE ASSURANCES (93.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 669.92. 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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Liquidity ratio
473.088
425.195
707.738
518.111
376.395
630.382
750.756
1089.046
947.178
669.919
Interest coverage
None
2.004
1.439
0.964
0.545
0.395
0.179
None
None
None
Sector positioning
Liquidity ratio
669.922025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Good-9 pts over 3 years
In 2025, the liquidity ratio of SUBERVIE ASSURANCES (669.92) 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.
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 SUBERVIE ASSURANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Operating WCR
0 €
20 200 €
105 795 €
-8 988 €
-102 421 €
-6 002 €
18 208 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
0
0
0
Supplier payment term (days)
0
6
6
7
8
3
9
0
0
0
Positioning of SUBERVIE 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 SUBERVIE ASSURANCES is estimated at
224 366 €
(range 106 129€ - 1 024 433€).
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 value2025
193 transactions
106k€224k€1024k€
224 366 €Range: 106 129€ - 1 024 433€
NAF 5 all-time
Valuation method used
Net Income Multiple
111 477 €
×
2.0x
=224 366 €
Range: 106 130€ - 1 024 434€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 SUBERVIE ASSURANCES with other companies in the same sector:
Frequently asked questions about SUBERVIE ASSURANCES
What is the revenue of SUBERVIE ASSURANCES ?
The revenue of SUBERVIE ASSURANCES in 2022 is 1.2 M€.
Is SUBERVIE ASSURANCES profitable?
Yes, SUBERVIE ASSURANCES generated a net profit of 111 k€ in 2025.
Where is the headquarters of SUBERVIE ASSURANCES ?
The headquarters of SUBERVIE ASSURANCES is located in BORDEAUX (33000), in the department Gironde.
Where to find the tax return of SUBERVIE ASSURANCES ?
The tax return of SUBERVIE 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 SUBERVIE ASSURANCES operate?
SUBERVIE 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.
Item evolution
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