UNION D'EXPERTS TOURS : revenue, balance sheet and financial ratios

UNION D'EXPERTS TOURS is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-AVERTIN (37550), this company of category PME shows in 2017 a revenue of 5.0 M€. 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

Financial history - UNION D'EXPERTS TOURS (SIREN 384175618)
Indicator 2024 2023 2019 2018 2017 2016
Revenue N/C N/C N/C N/C 5 019 402 € 6 427 682 €
Net income 257 381 € 215 616 € -130 827 € 1 259 996 € 310 544 € 708 668 €
EBITDA N/C N/C N/C N/C 642 242 € 1 024 190 €
Net margin N/C N/C N/C N/C 6.2% 11.0%

Revenue and income statement

In 2024, UNION D'EXPERTS TOURS generates positive net income of 257 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 709 k€ -> 257 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

257 381 €

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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 30%. 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 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

29.528%

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

40.515%

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

10.9%

Solvency indicators evolution
UNION D'EXPERTS TOURS

Sector positioning

Debt ratio
29.53 2024
2019
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average -11 pts over 3 years

In 2024, the debt ratio of UNION D'EXPERTS TOURS (29.53) 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
40.52% 2024
2019
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average +20 pts over 3 years

In 2024, the financial autonomy of UNION D'EXPERTS TOURS (40.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 162.01. 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

162.011

Liquidity indicators evolution
UNION D'EXPERTS TOURS

Sector positioning

Liquidity ratio
162.01 2024
2019
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -24 pts over 3 years

In 2024, the liquidity ratio of UNION D'EXPERTS TOURS (162.01) 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.

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
UNION D'EXPERTS TOURS

Positioning of UNION D'EXPERTS TOURS 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 UNION D'EXPERTS TOURS is estimated at 518 022 € (range 245 034€ - 2 365 239€). 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
245k€ 518k€ 2365k€
518 022 € Range: 245 034€ - 2 365 239€
NAF 5 all-time

Valuation method used

Net Income Multiple
257 381 € × 2.0x = 518 023 €
Range: 245 035€ - 2 365 239€

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 UNION D'EXPERTS TOURS with other companies in the same sector:

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

Frequently asked questions about UNION D'EXPERTS TOURS

What is the revenue of UNION D'EXPERTS TOURS ?

The revenue of UNION D'EXPERTS TOURS in 2017 is 5.0 M€.

Is UNION D'EXPERTS TOURS profitable?

Yes, UNION D'EXPERTS TOURS generated a net profit of 257 k€ in 2024.

Where is the headquarters of UNION D'EXPERTS TOURS ?

The headquarters of UNION D'EXPERTS TOURS is located in SAINT-AVERTIN (37550), in the department Indre-et-Loire.

Where to find the tax return of UNION D'EXPERTS TOURS ?

The tax return of UNION D'EXPERTS TOURS 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 UNION D'EXPERTS TOURS operate?

UNION D'EXPERTS TOURS 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.