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UNION MEDITERRANEENNE D'ASSURANCES : revenue, balance sheet and financial ratios

UNION MEDITERRANEENNE D'ASSURANCES is a French company founded 31 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2015 a revenue of 96 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - UNION MEDITERRANEENNE D'ASSURANCES (SIREN 400427795)
Indicator 2015
Revenue 95 943 €
Net income 81 144 €
EBITDA 36 908 €
Net margin 84.6%

Revenue and income statement

In 2015, UNION MEDITERRANEENNE D'ASSURANCES achieves revenue of 96 k€. After deducting consumption (0 €), gross margin stands at 96 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 37 k€, representing 38.5% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 81 k€, i.e. 84.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2015) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

95 943 €

Gross margin (2015) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

95 943 €

EBITDA (2015) ?
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

36 908 €

EBIT (2015) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

31 594 €

Net income (2015) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

81 144 €

EBITDA margin (2015) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

38.1%

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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 6%. 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 85%. 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 32.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2015) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

5.713%

Financial autonomy (2015) ?
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

85.092%

Cash flow / Revenue (2015) ?
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

32.301%

Repayment capacity (2015) ?
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

0.375

Solvency indicators evolution
UNION MEDITERRANEENNE D'ASSURANCES

Sector positioning

Debt ratio
5.71 2015
2015
Q1: 0.0
Med: 4.51
Q3: 60.53
Average

In 2015, the debt ratio of UNION MEDITERRANEENNE D'A... (5.71) 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
85.09% 2015
2015
Q1: 6.57%
Med: 36.3%
Q3: 67.22%
Excellent

In 2015, the financial autonomy of UNION MEDITERRANEENNE D'A... (85.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.38 years 2015
2015
Q1: 0.0 years
Med: 0.0 years
Q3: 1.14 years
Average

In 2015, the repayment capacity of UNION MEDITERRANEENNE D'A... (0.38) 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 2719.02. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2015) ?
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

2719.019

Interest coverage (2015) ?
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

0.192

Liquidity indicators evolution
UNION MEDITERRANEENNE D'ASSURANCES

Sector positioning

Liquidity ratio
2719.02 2015
2015
Q1: 80.98
Med: 149.69
Q3: 348.65
Excellent

In 2015, the liquidity ratio of UNION MEDITERRANEENNE D'A... (2719.02) 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.

Interest coverage
0.19x 2015
2015
Q1: 0.0x
Med: 0.0x
Q3: 2.9x
Good

In 2015, the interest coverage of UNION MEDITERRANEENNE D'A... (0.2x) 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. Overall, WCR represents 982 days of revenue, i.e. 262 k€ to permanently finance.

Operating WCR (2015) ?
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

261 728 €

Customer credit (2015) ?
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 (2015) ?
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 (2015) ?
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 (2015) ?
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

982 j

WCR and payment terms evolution
UNION MEDITERRANEENNE D'ASSURANCES

Positioning of UNION MEDITERRANEENNE 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 UNION MEDITERRANEENNE D'ASSURANCES is estimated at 83 281 € (range 29 106€ - 315 764€). With an EBITDA of 36 908€, 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 2015
193 transactions
29k€ 83k€ 315k€
83 281 € Range: 29 106€ - 315 764€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
36 908 € × 1.2x
Estimation 44 683 €
11 541€ - 228 074€
Revenue Multiple 30%
95 943 € × 0.98x
Estimation 94 257 €
26 285€ - 175 302€
Net Income Multiple 20%
81 144 € × 2.0x
Estimation 163 316 €
77 252€ - 745 684€
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 MEDITERRANEENNE 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 UNION MEDITERRANEENNE D'ASSURANCES

What is the revenue of UNION MEDITERRANEENNE D'ASSURANCES ?

The revenue of UNION MEDITERRANEENNE D'ASSURANCES in 2015 is 96 k€.

Is UNION MEDITERRANEENNE D'ASSURANCES profitable?

Yes, UNION MEDITERRANEENNE D'ASSURANCES generated a net profit of 81 k€ in 2015.

Where is the headquarters of UNION MEDITERRANEENNE D'ASSURANCES ?

The headquarters of UNION MEDITERRANEENNE D'ASSURANCES is located in NICE (06000), in the department Alpes-Maritimes.

Where to find the tax return of UNION MEDITERRANEENNE D'ASSURANCES ?

The tax return of UNION MEDITERRANEENNE 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 UNION MEDITERRANEENNE D'ASSURANCES operate?

UNION MEDITERRANEENNE 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.