Company profile
Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A.
RUC 0993146161001 · Guayaquil, Guayas
Registry data
- RUC
- 0993146161001
- Legal name
- AGENCIA ASESORA PRODUCTORA DE SEGUROS MUÑOZ - YAVAR & ASOCIADOS MUÑOZYAVAR S.A.
- Trade name
- KENDING SEGUROS · KENDNG SEGURO
- Company type
- Stock corporation (S.A.)
- Size segment (SCVS)
- Microenterprise · 2025
- Incorporation date
- December 6, 2018
- Start of activities (SRI)
- December 6, 2018
- Subscribed capital
- $800
- Economic activity
- Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
- ISIC code
- K6622.00
- Last year with filed statements
- 2025
- Address
- Jose Santiago Castillo 7
- Location
- Guayaquil, Guayas
- Region
- Costa
- Phone
- 044000000
Financial statements
- Current ratio
- 6.47
- Debt ratio
- 12.0%
- Net margin
- −6.6%
- Return on equity (ROE)
- −10.3%
- Revenue vs 2024
- −54.4%
The income statement · 2025
- Revenue $52,070
- Expenses $55,487
- Net result −$3,417
Balance sheet structure · 2025
What it owns
- Current assets $29,230 78%
- Non-current assets $8,395 22%
How it is financed
- Current liabilities $4,521 12%
- Non-current liabilities $0 0%
- Equity $33,105 88%
“Current” means within one year: what can be turned into cash, or what has to be paid, in that span.
| Year | Revenue | Net result | Assets | Equity | Employees |
|---|---|---|---|---|---|
| 2025 | $52,070 | −$3,417 | $37,626 | $33,105 | 4 |
| 2024 | $114,268 | $5,422 | $90,758 | $27,872 | 2 |
| 2023 | $135,291 | $6,963 | $72,839 | $22,450 | 2 |
| 2022 | $143,460 | $9,108 | $50,432 | $9,908 | 2 |
| 2021 | $230,583 | $3,261 | $75,309 | $4,061 | 3 |
| 2020 | $197,291 | $11,038 | $30,438 | $11,838 | 3 |
| 2019 | $145,991 | $13,098 | $24,601 | $13,898 | 4 |
| 2018 | $0 | $0 | $0 | $0 | 4 |
In 2025 it recorded revenue of $52,070 and a net result of −$3,417, a margin of −6.6%.
Its 2025 revenue exceeds that of 40.3% of the 95,463 companies in the country that recorded sales that year. In Guayas, it exceeds 38.4% of the 34,598 on record.
Within its activity (ISIC code K6622.00, 620 companies with sales), its revenue exceeds that of 36.9%; the trade’s typical margin was 4.1%.
Values in US dollars, as filed with the Superintendencia de Compañías, Ecuador’s corporate regulator.
Tax status (SRI)
updated September 4, 2026- Phantom taxpayer: No
- Nonexistent transactions: No
- Tax regime
- General regime The set of rules under which it files its taxes
- Required to keep accounting books
- Yes
- Withholding agent
- No When paying third parties, it withholds taxes and remits them to the SRI
- Special taxpayer
- No Designated by the SRI for its size, with additional filing obligations
- Start of activities
- December 6, 2018
Establishments · 2 registered, 2 open
- HEAD OFFICE Guayas / Guayaquil / Tarqui / Av. Jose Santiago Castillo Solar 27 Open
- Guayas / Guayaquil / Tarqui / Av. Jose Castillo 7 y SN Open
Tax status according to the public records of the SRI (Servicio de Rentas Internas, the national tax authority). The risk designations are the SRI’s, not a rating by this site: phantom taxpayer means the SRI considers the company to have no real activity at its declared address, and nonexistent transactions means it invoiced operations the SRI determined never took place.
Where it operates
It has 2 open establishments in Guayas.
Alfredo Baquerizo Moreno · 0 companiesBalao · 0 companiesBalzar · 0 companiesColimes · 0 companiesCoronel Marcelino Maridueña · 0 companiesDaule · 0 companiesDurán · 0 companiesEl Empalme · 0 companiesEl Triunfo · 0 companiesGeneral Antonio Elizalde · 0 companiesGuayaquil · 2 companiesIsidro Ayora · 0 companiesLomas de Sargentillo · 0 companiesMilagro · 0 companiesNaranjal · 0 companiesNaranjito · 0 companiesNobol · 0 companiesPalestina · 0 companiesPedro Carbo · 0 companiesPlayas · 0 companiesSalitre · 0 companiesSamborondón · 0 companiesSanta Lucia · 0 companiesSimón Bolívar · 0 companiesYaguachi · 0 companies Point at or tap a canton to see its figure
Cantons of the province. Each canton links to its listing. Boundaries: geoBoundaries (CC BY 4.0).
Cantons with a presence
- Guayaquil head office 2 locations
Establishments declared to the SRI (Servicio de Rentas Internas, the national tax authority), updated September 4, 2026. The location is the province and canton on record, not each site’s exact address.
Activity classification (ISIC)
- Financial and insurance activities
- Activities auxiliary to financial service and insurance activities
- Activities auxiliary to insurance and pension funding
- Activities of insurance agents and brokers
- Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
Frequently asked questions
What is the RUC of Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A.?
The RUC (taxpayer registration number) of AGENCIA ASESORA PRODUCTORA DE SEGUROS MUÑOZ - YAVAR & ASOCIADOS MUÑOZYAVAR S.A. is 0993146161001, according to Ecuador’s public corporate registry.
Is Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A. active?
Yes. Its legal status in the registry is Activa.
What trade name does Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A. use?
It operates under the trade name KENDING SEGUROS and KENDNG SEGURO, according to the SRI’s RUC registry.
What does Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A. do?
Its registered economic activity (ISIC K6622.00) is: Activities of insurance agents and brokers (insurance intermediaries) selling, negotiating or offering annuity contracts and insurance and reinsurance policies
Where is Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A. located?
Its registered address is in Guayaquil, province of Guayas, Ecuador.
When was Agencia Asesora Productora de Seguros Muñoz - Yavar & Asociados Muñozyavar S.A. incorporated?
It was incorporated on December 6, 2018, as a stock corporation (s.a.).
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Corporate information from official public records of Ecuador · where this data comes from