Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

COGEP LIFE : revenue, balance sheet and financial ratios

COGEP LIFE is a French company founded 4 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-DOULCHARD (18230), this company of category ETI shows in 2022 a revenue of 1.1 M€. 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

Historique financier - COGEP LIFE (SIREN 899211064)
Kennzahl 2025 2024 2023 2022
Umsatz N/C N/C N/C 1 068 810 €
Nettoergebnis 136 077 € 123 947 € -1 659 € 33 737 €
EBITDA N/C N/C N/C 48 107 €
Nettomarge N/C N/C N/C 3.2%

Umsatz und Gewinn- und Verlustrechnung

In 2025, COGEP LIFE generates positive net income of 136 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2025: 34 k€ -> 136 k€.

Nettoergebnis (2025) ?
Nettoergebnis
Definition
Bénéfice ou perte après toutes les charges, y compris impôts et éléments exceptionnels.
Formel
Ordentliches Ergebnis + Außerordentliches Ergebnis - Ertragsteuern

136 077 €

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Solvenz- und Verschuldungskennzahlen

The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 25%. The balance between equity and debt is satisfactory.

Verschuldungsgrad (2025) ?
Verschuldungsgrad
Definition
Misst das Verhältnis von Schulden zu Eigenkapital.
Formel
(Finanzschulden / Eigenkapital) x 100
Interpretation
< 50% : Faible
50-100% : Moderat
> 100% : Hoch

0.0%

Finanzielle Autonomie (2025) ?
Finanzielle Autonomie
Definition
Anteil des Eigenkapitals an der Gesamtfinanzierung.
Formel
(Eigenkapital / Bilanzsumme) x 100
Interpretation
> 30% : Gute Autonomie
20-30% : Durchschnitt
< 20% : Faible

24.859%

Anlagenaltersquote (2025) ?
Anlagenaltersquote
Definition
Misst den Abnutzungsgrad des Sachanlagevermögens.
Formel
Kumulierte Abschreibungen / Bruttoanlagevermögen x 100
Interpretation
< 50% : Neue Anlagen
50-70% : Normale Abnutzung
> 70% : Alternde Anlagen

62.5%

Entwicklung der Solvenzkennzahlen
COGEP LIFE

Positionnement sectoriel

Debt ratio
0.0 2025
2023
2024
2025
Q1: 0.0
Méd: 4.8
Q3: 43.33
Excellent -50 pts über 3 Jahre

In 2025, the debt ratio of COGEP LIFE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
24.86% 2025
2023
2024
2025
Q1: 13.31%
Méd: 50.74%
Q3: 79.01%
Average +8 pts über 3 Jahre

In 2025, the financial autonomy of COGEP LIFE (24.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquiditätskennzahlen

The liquidity ratio (= Current assets / Current liabilities) stands at 53.99. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquiditätsquote (2025) ?
Liquiditätsquote
Definition
Fähigkeit, kurzfristige Schulden mit dem Umlaufvermögen zu decken.
Formel
Umlaufvermögen / Kurzfristige Verbindlichkeiten
Interpretation
> 1.5 : Sehr gut
1-1.5 : Angemessen
< 1 : Risque de liquidité

53.989

Entwicklung der Liquiditätskennzahlen
COGEP LIFE

Positionnement sectoriel

Liquidity ratio
53.99 2025
2023
2024
2025
Q1: 158.14
Méd: 330.46
Q3: 854.85
Watch

In 2025, the liquidity ratio of COGEP LIFE (53.99) 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.

Umlaufvermögensbedarf und Zahlungsfristen

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operatives Working Capital (2025) ?
Operatives Working Capital
Definition
Besoin de financement généré par le cycle d'exploitation (stocks + créances - dettes fournisseurs).
Formel
Stocks + Créances clients - Dettes fournisseurs
Interpretation
Negativ = freigesetzte Liquidität
Positiv = Finanzierungsbedarf

0 €

Kundenforderungen (2025) ?
Kundenforderungen (Tage)
Definition
Durchschnittliche Zahlungsfrist für Kunden.
Formel
(Kundenforderungen / Umsatz inkl. MwSt.) x 360
Interpretation
< 45j : Gut
45-60j : Durchschnitt
> 60j : Lang

0 j

Lieferantenverbindlichkeiten (2025) ?
Lieferantenverbindlichkeiten (Tage)
Definition
Durchschnittliche Zahlungsfrist von Lieferanten.
Formel
(Lieferantenverbindlichkeiten / Einkäufe inkl. MwSt.) x 360
Interpretation
Je länger die Frist, desto besser für die Liquidität

0 j

Lagerumschlag (2025) ?
Lagerumschlag (Tage)
Definition
Durchschnittliche Lagerdauer für Waren oder Materialien.
Formel
(Vorräte / Einkaufskosten) x 360
Interpretation
Je niedriger das Verhältnis, desto schneller der Umschlag

0 j

Entwicklung des Working Capital und der Zahlungsfristen
COGEP LIFE

Positionnement de COGEP LIFE dans son secteur

Vergleich mit der Branche Activités des agents et courtiers d'assurances

Bewertungsschätzung

Based on 193 transactions of similar company sales (all years), the value of COGEP LIFE is estimated at 273 878 € (range 129 549€ - 1 250 498€). 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 2025
193 transactions
129k€ 273k€ 1250k€
273 878 € Range: 129 549€ - 1 250 498€
NAF 5 all-time

Valuation method used

Net Income Multiple
136 077 € × 2.0x = 273 878 €
Range: 129 550€ - 1 250 499€

Only this financial indicator is available for this company.

Bewertungsentwicklung

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 COGEP LIFE with other companies in the same sector:

Frequently asked questions about COGEP LIFE

What is the revenue of COGEP LIFE ?

The revenue of COGEP LIFE in 2022 is 1.1 M€.

Is COGEP LIFE profitable?

Yes, COGEP LIFE generated a net profit of 136 k€ in 2025.

Where is the headquarters of COGEP LIFE ?

The headquarters of COGEP LIFE is located in SAINT-DOULCHARD (18230), in the department Cher.

Where to find the tax return of COGEP LIFE ?

The tax return of COGEP LIFE 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 COGEP LIFE operate?

COGEP LIFE 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.