AGENCE DE GESTION DES RISQUES MEDICAUX : revenue, balance sheet and financial ratios

AGENCE DE GESTION DES RISQUES MEDICAUX is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COLLONGES-AU-MONT-D'OR (69660), this company of category PME shows in 2024 a revenue of 1.4 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

Financial history - AGENCE DE GESTION DES RISQUES MEDICAUX (SIREN 538666199)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 450 000 € 1 713 699 € 828 748 € 2 159 541 € 1 624 202 € 671 829 € 843 445 € 857 961 € 886 963 €
Net income 398 655 € -215 185 € -405 615 € 944 810 € 632 808 € 25 575 € 185 024 € 90 280 € 166 630 €
EBITDA 370 606 € -228 960 € -420 236 € 1 265 782 € 832 852 € -487 € 170 074 € 197 635 € 203 607 €
Net margin 27.5% -12.6% -48.9% 43.8% 39.0% 3.8% 21.9% 10.5% 18.8%

Revenue and income statement

In 2024, AGENCE DE GESTION DES RISQUES MEDICAUX achieves revenue of 1.4 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.3%. Significant drop of -15% vs 2023. After deducting consumption (0 €), gross margin stands at 1.4 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 371 k€, representing 25.6% of revenue. Positive scissor effect: EBITDA margin improves by +38.9 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 399 k€, i.e. 27.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 450 000 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 450 000 €

EBITDA (2024) ?
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

370 606 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

360 122 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

398 655 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

25.6%

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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 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 36%. The balance between equity and debt is satisfactory. Cash flow represents 25.3% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.013%

Financial autonomy (2024) ?
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

36.46%

Cash flow / Revenue (2024) ?
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

25.335%

Repayment capacity (2024) ?
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

0.0

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

4.4%

Solvency indicators evolution
AGENCE DE GESTION DES RISQUES MEDICAUX

Sector positioning

Debt ratio
0.01 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Excellent

In 2024, the debt ratio of AGENCE DE GESTION DES RIS... (0.01) 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
36.46% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average -24 pts over 3 years

In 2024, the financial autonomy of AGENCE DE GESTION DES RIS... (36.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of AGENCE DE GESTION DES RIS... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 278.23. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2024) ?
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

278.23

Interest coverage (2024) ?
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

0.002

Liquidity indicators evolution
AGENCE DE GESTION DES RISQUES MEDICAUX

Sector positioning

Liquidity ratio
278.23 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good

In 2024, the liquidity ratio of AGENCE DE GESTION DES RIS... (278.23) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Good +25 pts over 3 years

In 2024, the interest coverage of AGENCE DE GESTION DES RIS... (0.0x) 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. Average customer payment term: 124 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 40 days. The gap of 84 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-161 days): operations structurally generate cash. Notable WCR improvement over the period (-276%), freeing up cash.

Operating WCR (2024) ?
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

-650 397 €

Customer credit (2024) ?
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

124 j

Supplier credit (2024) ?
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

40 j

Inventory turnover (2024) ?
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 (2024) ?
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

-161 j

WCR and payment terms evolution
AGENCE DE GESTION DES RISQUES MEDICAUX

Positioning of AGENCE DE GESTION DES RISQUES MEDICAUX 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 AGENCE DE GESTION DES RISQUES MEDICAUX is estimated at 812 166 € (range 253 026€ - 2 672 592€). With an EBITDA of 370 606€, 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 2024
193 transactions
253k€ 812k€ 2672k€
812 166 € Range: 253 026€ - 2 672 592€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
370 606 € × 1.2x
Estimation 448 676 €
115 888€ - 2 290 170€
Revenue Multiple 30%
1 450 000 € × 0.98x
Estimation 1 424 521 €
397 252€ - 2 649 362€
Net Income Multiple 20%
398 655 € × 2.0x
Estimation 802 361 €
379 532€ - 3 663 497€

Valuation evolution

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 AGENCE DE GESTION DES RISQUES MEDICAUX with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about AGENCE DE GESTION DES RISQUES MEDICAUX

What is the revenue of AGENCE DE GESTION DES RISQUES MEDICAUX ?

The revenue of AGENCE DE GESTION DES RISQUES MEDICAUX in 2024 is 1.4 M€.

Is AGENCE DE GESTION DES RISQUES MEDICAUX profitable?

Yes, AGENCE DE GESTION DES RISQUES MEDICAUX generated a net profit of 399 k€ in 2024.

Where is the headquarters of AGENCE DE GESTION DES RISQUES MEDICAUX ?

The headquarters of AGENCE DE GESTION DES RISQUES MEDICAUX is located in COLLONGES-AU-MONT-D'OR (69660), in the department Rhone.

Where to find the tax return of AGENCE DE GESTION DES RISQUES MEDICAUX ?

The tax return of AGENCE DE GESTION DES RISQUES MEDICAUX 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 AGENCE DE GESTION DES RISQUES MEDICAUX operate?

AGENCE DE GESTION DES RISQUES MEDICAUX 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.