TSG INSURANCE SERVICES : revenue, balance sheet and financial ratios

TSG INSURANCE SERVICES is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category PME shows in 2023 a revenue of 5.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - TSG INSURANCE SERVICES (SIREN 447609108)
Indicator 2024 2023 2022 2020 2019 2018 2017 2016
Revenue N/C 5 323 689 € 4 614 721 € 2 980 317 € 3 450 543 € 3 608 615 € 3 689 958 € 3 091 997 €
Net income 218 818 € -238 237 € 15 531 € -3 014 € -155 € -28 970 € 11 591 € 3 470 €
EBITDA N/C -241 666 € 134 477 € 15 598 € 64 367 € -1 181 € 58 357 € 39 471 €
Net margin N/C -4.5% 0.3% -0.1% -0.0% -0.8% 0.3% 0.1%

Revenue and income statement

In 2024, TSG INSURANCE SERVICES generates positive net income of 219 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 3 k€ -> 219 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

218 818 €

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Chart evolution

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Assets

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Liabilities

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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 33%. The balance between equity and debt is satisfactory.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.008%

Financial autonomy (2024) ?
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

33.345%

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

13.7%

Solvency indicators evolution
TSG INSURANCE SERVICES

Sector positioning

Debt ratio
0.01 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent

In 2024, the debt ratio of TSG INSURANCE SERVICES (0.01) 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
33.34% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average +6 pts over 3 years

In 2024, the financial autonomy of TSG INSURANCE SERVICES (33.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2023
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Excellent

In 2023, the repayment capacity of TSG INSURANCE SERVICES (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 131.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

131.56

Liquidity indicators evolution
TSG INSURANCE SERVICES

Sector positioning

Liquidity ratio
131.56 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average

In 2024, the liquidity ratio of TSG INSURANCE SERVICES (131.56) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-0.04x 2023
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average -50 pts over 2 years

In 2023, the interest coverage of TSG INSURANCE SERVICES (-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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
TSG INSURANCE SERVICES

Positioning of TSG INSURANCE SERVICES 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 TSG INSURANCE SERVICES is estimated at 440 408 € (range 208 321€ - 2 010 859€). 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 value 2024
193 transactions
208k€ 440k€ 2010k€
440 408 € Range: 208 321€ - 2 010 859€
NAF 5 all-time

Valuation method used

Net Income Multiple
218 818 € × 2.0x = 440 408 €
Range: 208 322€ - 2 010 859€

Only this financial indicator is available for this company.

Valuation evolution

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 TSG INSURANCE SERVICES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about TSG INSURANCE SERVICES

What is the revenue of TSG INSURANCE SERVICES ?

The revenue of TSG INSURANCE SERVICES in 2023 is 5.3 M€.

Is TSG INSURANCE SERVICES profitable?

Yes, TSG INSURANCE SERVICES generated a net profit of 219 k€ in 2024.

Where is the headquarters of TSG INSURANCE SERVICES ?

The headquarters of TSG INSURANCE SERVICES is located in PARIS (75009), in the department Paris.

Where to find the tax return of TSG INSURANCE SERVICES ?

The tax return of TSG INSURANCE SERVICES 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 TSG INSURANCE SERVICES operate?

TSG INSURANCE SERVICES 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.