SIREN : 394907356
TOLOT - ASSURANCES is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AGEN (47000), this company of category PME shows in 2024 a revenue of 2.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 994 084 € | 1 524 663 € | 1 172 071 € | 886 384 € | 718 142 € | 598 387 € | 513 501 € | 497 388 € |
| Net income | 781 911 € | 536 225 € | 399 686 € | 225 896 € | 124 940 € | 94 721 € | 47 445 € | 54 587 € |
| EBITDA | 1 071 487 € | 740 236 € | 527 842 € | 302 304 € | 183 035 € | 133 585 € | 65 337 € | 73 332 € |
| Net margin | 39.2% | 35.2% | 34.1% | 25.5% | 17.4% | 15.8% | 9.2% | 11.0% |
In 2024, TOLOT - ASSURANCES achieves revenue of 2.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +19.0%. Vs 2023, growth of +31% (1.5 M€ -> 2.0 M€). After deducting consumption (0 €), gross margin stands at 2.0 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.1 M€, representing 53.7% of revenue. Positive scissor effect: EBITDA margin improves by +5.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 782 k€, i.e. 39.2% of revenue. This profit can be retained or distributed to shareholders.
1 994 084 €
1 994 084 €
1 071 487 €
1 046 332 €
781 911 €
53.7%
The debt ratio (= Financial debt / Equity x 100) stands at 29%. 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 69%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 40.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
29.007%
69.436%
40.555%
0.484
57.7%
In 2024, the debt ratio of TOLOT - ASSURANCES (29.01) 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 TOLOT - ASSURANCES (69.4%) 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 2024, the repayment capacity of TOLOT - ASSURANCES (0.48) 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 1010.08. 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 0.9x. Danger: operating income does not cover interest charges, unsustainable situation.
1010.078
0.869
In 2024, the liquidity ratio of TOLOT - ASSURANCES (1010.08) 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 TOLOT - ASSURANCES (0.9x) 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. WCR is negative (-15 days): operations structurally generate cash. Notable WCR improvement over the period (-219%), freeing up cash.
-85 088 €
0 j
0 j
0 j
-15 j
Based on 193 transactions of similar company sales (all years), the value of TOLOT - ASSURANCES is estimated at 1 551 058 € (range 480 301€ - 5 840 782€). With an EBITDA of 1 071 487€, 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 TOLOT - ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of TOLOT - ASSURANCES in 2024 is 2.0 M€.
Yes, TOLOT - ASSURANCES generated a net profit of 782 k€ in 2024.
The headquarters of TOLOT - ASSURANCES is located in AGEN (47000), in the department Lot-et-Garonne.
The tax return of TOLOT - 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).
TOLOT - 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.