SIREN : 394332092
TENERITY ASSURANCES is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75002), this company of category PME shows in 2024 a revenue of 320 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 319 735 € | 354 990 € | 364 167 € | 395 073 € | 412 237 € | 327 955 € | 494 477 € | 513 917 € | 581 885 € |
| Net income | 70 763 € | 173 334 € | 174 817 € | 204 160 € | 218 760 € | 139 518 € | 215 598 € | 309 729 € | 227 099 € |
| EBITDA | 89 633 € | 230 001 € | 233 090 € | 277 769 € | 303 833 € | 208 774 € | 298 888 € | 382 987 € | 346 156 € |
| Net margin | 22.1% | 48.8% | 48.0% | 51.7% | 53.1% | 42.5% | 43.6% | 60.3% | 39.0% |
In 2024, TENERITY ASSURANCES achieves revenue of 320 k€. Revenue is declining over the period 2016-2024 (CAGR: -7.2%). Slight decline of -10% vs 2023. After deducting consumption (0 €), gross margin stands at 320 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 90 k€, representing 28.0% of revenue. Warning negative scissor effect: despite revenue change (-10%), EBITDA varies by -61%, reducing margin by 36.8 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 71 k€, i.e. 22.1% of revenue. This profit can be retained or distributed to shareholders.
319 735 €
319 735 €
89 633 €
89 633 €
70 763 €
28.0%
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 86%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 22.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
85.626%
22.132%
0.0
In 2024, the debt ratio of TENERITY 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.
In 2024, the financial autonomy of TENERITY ASSURANCES (85.6%) 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.
In 2024, the repayment capacity of TENERITY ASSURANCES (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 674.15. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
674.154
0.0
In 2024, the liquidity ratio of TENERITY ASSURANCES (674.15) 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 TENERITY ASSURANCES (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 212 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 445 days. Excellent situation: suppliers finance 233 days of the operating cycle (retail model). Overall, WCR represents 3371 days of revenue, i.e. 3.0 M€ to permanently finance. Over 2016-2024, WCR increased by +66%, requiring additional financing.
2 994 200 €
212 j
445 j
0 j
3371 j
Based on 193 transactions of similar company sales (all years), the value of TENERITY ASSURANCES is estimated at 176 976 € (range 53 766€ - 582 262€). With an EBITDA of 89 633€, 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 TENERITY ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of TENERITY ASSURANCES in 2024 is 320 k€.
Yes, TENERITY ASSURANCES generated a net profit of 71 k€ in 2024.
The headquarters of TENERITY ASSURANCES is located in PARIS (75002), in the department Paris.
The tax return of TENERITY 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).
TENERITY 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.