Mitarbeiter: 11 (2023.0)Rechtsform: SCA (commandite par actions)Größe: ETIGründungsdatum: 2021-04-30 (4 Jahre)Status: AktivBranche: Activités des agents et courtiers d'assurancesStandort: SAINT-DOULCHARD (18230), Cher
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.
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.
Le compte de résultat détaillé n'est pas disponible pour cette entreprise (liasse simplifiée ou données confidentielles).
Évolution graphique
Anzeigen :
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Aktiva
Chargement des données...
Poste
Brutto
Abschr.
Netto
%
Entwicklung
Données de bilan actif non disponibles pour cette entreprise
Passiva
Chargement des données...
Poste
Jahr
%
Entwicklung
Données de bilan passif non disponibles pour cette entreprise
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.
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2022
2023
2024
2025
Verschuldungsgrad
701.943
911.347
160.795
0.0
Finanzielle Autonomie
5.625
5.052
16.329
24.859
Rückzahlungsfähigkeit
11.46
None
None
None
Cashflow / Umsatz
3.135%
None%
None%
None%
Positionnement sectoriel
Debt ratio
0.02025
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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Kennzahl
2022
2023
2024
2025
Liquiditätsquote
56.121
59.632
54.172
53.989
Zinsdeckung
6.787
None
None
None
Positionnement sectoriel
Liquidity ratio
53.992025
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).
(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
Visualisierung erstellt mit numbers.finance Sources : INPI & BCE - Anpassungen : Ministère de l'Économie
Kennzahl
2022
2023
2024
2025
BFR d'exploitation
139 384 €
0 €
0 €
0 €
Lagerumschlag (Tage)
0
0
0
0
Crédit clients (jours)
55
0
0
0
Crédit fournisseurs (jours)
218
0
0
0
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 value2025
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
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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:
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.
Item evolution
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