TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES : revenue, balance sheet and financial ratios

TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLICHY (92110), this company of category PME shows in 2024 a revenue of 1.6 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

Financial history - TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES (SIREN 352843338)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 648 601 € 1 714 614 € 2 101 295 € 1 623 875 € 1 682 868 € 1 845 632 € 1 879 180 € 1 939 920 € N/C
Net income 109 118 € 88 117 € 49 717 € -18 162 € -44 277 € 54 789 € 103 915 € 3 597 € 156 795 €
EBITDA 131 407 € 123 503 € -1 919 € 22 048 € -64 311 € 59 102 € 127 710 € -6 512 € N/C
Net margin 6.6% 5.1% 2.4% -1.1% -2.6% 3.0% 5.5% 0.2% N/C

Revenue and income statement

In 2024, TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES achieves revenue of 1.6 M€. Activity remains stable over the period (CAGR: -2.3%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 1.6 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 131 k€, representing 8.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 109 k€, i.e. 6.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 648 601 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 648 601 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

131 407 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

150 778 €

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

109 118 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

8.0%

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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 9%. 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 50%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

8.547%

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

50.24%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

5.6%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.411

Solvency indicators evolution
TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES

Sector positioning

Debt ratio
8.55 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average -14 pts over 3 years

In 2024, the debt ratio of TUTOR SAS SOCIETE DE COUR... (8.55) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
50.24% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good +14 pts over 3 years

In 2024, the financial autonomy of TUTOR SAS SOCIETE DE COUR... (50.2%) 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.

Repayment capacity
0.41 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -21 pts over 3 years

In 2024, the repayment capacity of TUTOR SAS SOCIETE DE COUR... (0.41) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 347.10. 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 0.7x. Danger: operating income does not cover interest charges, unsustainable situation.

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

347.104

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.667

Liquidity indicators evolution
TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES

Sector positioning

Liquidity ratio
347.1 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good

In 2024, the liquidity ratio of TUTOR SAS SOCIETE DE COUR... (347.10) 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.

Interest coverage
0.67x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +33 pts over 3 years

In 2024, the interest coverage of TUTOR SAS SOCIETE DE COUR... (0.7x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 28 days. Favorable situation: supplier credit is longer than customer credit by 26 days. Overall, WCR represents 67 days of revenue, i.e. 309 k€ to permanently finance.

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

309 047 €

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

2 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

28 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

67 j

WCR and payment terms evolution
TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES

Positioning of TUTOR SAS SOCIETE DE COURTAGE D'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 TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES is estimated at 609 357 € (range 176 820€ - 1 510 238€). With an EBITDA of 131 407€, 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.

Estimated enterprise value 2024
193 transactions
176k€ 609k€ 1510k€
609 357 € Range: 176 820€ - 1 510 238€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
131 407 € × 1.2x
Estimation 159 088 €
41 091€ - 812 033€
Revenue Multiple 30%
1 648 601 € × 0.98x
Estimation 1 619 632 €
451 662€ - 3 012 235€
Net Income Multiple 20%
109 118 € × 2.0x
Estimation 219 618 €
103 884€ - 1 002 755€

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 TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES with other companies in the same sector:

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

Frequently asked questions about TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES

What is the revenue of TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES ?

The revenue of TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES in 2024 is 1.6 M€.

Is TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES profitable?

Yes, TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES generated a net profit of 109 k€ in 2024.

Where is the headquarters of TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES ?

The headquarters of TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES is located in CLICHY (92110), in the department Hauts-de-Seine.

Where to find the tax return of TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES ?

The tax return of TUTOR SAS SOCIETE DE COURTAGE D'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 TUTOR SAS SOCIETE DE COURTAGE D'ASSURANCES operate?

TUTOR SAS SOCIETE DE COURTAGE D'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.