SIREN : 429254204
SYGMA ASSURANCES is a French company founded 26 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARSEILLE (13006), this company of category PME shows in 2018 a revenue of 206 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 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|
| Revenue | 205 981 € | 206 834 € | 219 020 € | 227 816 € |
| Net income | 28 586 € | 40 322 € | 15 998 € | 30 797 € |
| EBITDA | 35 507 € | 54 494 € | 22 444 € | 43 350 € |
| Net margin | 13.9% | 19.5% | 7.3% | 13.5% |
In 2018, SYGMA ASSURANCES achieves revenue of 206 k€. Activity remains stable over the period (CAGR: -3.3%). Slight decline of -0% vs 2017. After deducting consumption (0 €), gross margin stands at 206 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 36 k€, representing 17.2% of revenue. Warning negative scissor effect: despite revenue change (-0%), EBITDA varies by -35%, reducing margin by 9.1 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 29 k€, i.e. 13.9% of revenue. This profit can be retained or distributed to shareholders.
205 981 €
205 981 €
35 507 €
36 665 €
28 586 €
17.2%
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 58%. 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 3.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 14.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
44.842%
58.349%
14.765%
3.781
10.3%
In 2018, the debt ratio of SYGMA ASSURANCES (44.84) 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 2018, the financial autonomy of SYGMA ASSURANCES (58.4%) 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.
In 2018, the repayment capacity of SYGMA ASSURANCES (3.78) 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 107.63. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.
107.631
0.597
In 2018, the liquidity ratio of SYGMA ASSURANCES (107.63) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2018, the interest coverage of SYGMA ASSURANCES (0.6x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 158 days. Excellent situation: suppliers finance 127 days of the operating cycle (retail model). Overall, WCR represents 7 days of revenue, i.e. 4 k€ to permanently finance. Over 2015-2018, WCR increased by +169%, requiring additional financing.
4 212 €
31 j
158 j
0 j
7 j
Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 44 678€ to 370 043€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 31 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 SYGMA ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SYGMA ASSURANCES in 2018 is 206 k€.
Yes, SYGMA ASSURANCES generated a net profit of 29 k€ in 2018.
The headquarters of SYGMA ASSURANCES is located in MARSEILLE (13006), in the department Bouches-du-Rhone.
The tax return of SYGMA 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).
SYGMA 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.