SIREN : 383676434
UNION INDUSTRIELLE is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69006), this company of category PME shows in 2024 a revenue of 8.2 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 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 176 511 € | 5 749 185 € | 4 974 869 € | 4 895 948 € | 4 570 455 € | 4 176 413 € | 3 931 313 € | 3 651 328 € | 3 525 329 € |
| Net income | 2 712 658 € | 1 669 349 € | 919 640 € | 774 763 € | 627 527 € | 482 999 € | 559 771 € | -136 921 € | 446 809 € |
| EBITDA | 2 512 499 € | 1 562 367 € | 1 353 438 € | 1 006 762 € | 827 863 € | 768 761 € | 738 439 € | 513 293 € | 5 689 € |
| Net margin | 33.2% | 29.0% | 18.5% | 15.8% | 13.7% | 11.6% | 14.2% | -3.7% | 12.7% |
In 2024, UNION INDUSTRIELLE achieves revenue of 8.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.1%. Vs 2023, growth of +42% (5.7 M€ -> 8.2 M€). After deducting consumption (0 €), gross margin stands at 8.2 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 2.5 M€, representing 30.7% of revenue. Positive scissor effect: EBITDA margin improves by +3.6 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 2.7 M€, i.e. 33.2% of revenue. This profit can be retained or distributed to shareholders.
8 176 511 €
8 176 511 €
2 512 499 €
2 387 088 €
2 712 658 €
30.7%
The debt ratio (= Financial debt / Equity x 100) stands at 120%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 26%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 33.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
120.194%
25.724%
33.165%
3.317
24.2%
In 2024, the debt ratio of UNION INDUSTRIELLE (120.19) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of UNION INDUSTRIELLE (25.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of UNION INDUSTRIELLE (3.32) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 112.91. 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 12.8x. Operating income very largely covers interest expenses: high safety margin.
112.913
12.773
In 2024, the liquidity ratio of UNION INDUSTRIELLE (112.91) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2024, the interest coverage of UNION INDUSTRIELLE (12.8x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 44 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 335 days. Excellent situation: suppliers finance 291 days of the operating cycle (retail model). WCR is negative (-397 days): operations structurally generate cash. Notable WCR improvement over the period (-110%), freeing up cash.
-9 026 378 €
44 j
335 j
0 j
-397 j
Based on 193 transactions of similar company sales (all years), the value of UNION INDUSTRIELLE is estimated at 5 022 670 € (range 1 581 363€ - 17 230 602€). With an EBITDA of 2 512 499€, 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.
Ajustez les pondérations selon votre analyse
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 UNION INDUSTRIELLE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of UNION INDUSTRIELLE in 2024 is 8.2 M€.
Yes, UNION INDUSTRIELLE generated a net profit of 2.7 M€ in 2024.
The headquarters of UNION INDUSTRIELLE is located in LYON (69006), in the department Rhone.
The tax return of UNION INDUSTRIELLE 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).
UNION INDUSTRIELLE 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.