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

AGENCE DE GESTION DES SINISTRES MEDICAUX is a French company founded 11 years ago, specialized in the sector Évaluation des risques et dommages. Based in LYON (69004), this company of category PME shows in 2021 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - AGENCE DE GESTION DES SINISTRES MEDICAUX (SIREN 809539307)
Indicator 2021 2020 2016
Revenue 1 260 702 € 779 604 € 338 493 €
Net income 450 587 € 175 338 € 104 107 €
EBITDA 641 629 € 259 989 € 131 212 €
Net margin 35.7% 22.5% 30.8%

Revenue and income statement

In 2021, AGENCE DE GESTION DES SINISTRES MEDICAUX achieves revenue of 1.3 M€. Over the period 2016-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +30.1%. Vs 2020, growth of +62% (780 k€ -> 1.3 M€). After deducting consumption (0 €), gross margin stands at 1.3 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 642 k€, representing 50.9% of revenue. Positive scissor effect: EBITDA margin improves by +17.5 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 451 k€, i.e. 35.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 260 702 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 260 702 €

EBITDA (2021) ?
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

641 629 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

618 933 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

450 587 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

50.9%

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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 17%. 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 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 37.5% 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 (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

16.79%

Financial autonomy (2021) ?
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

35.074%

Cash flow / Revenue (2021) ?
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

37.529%

Repayment capacity (2021) ?
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

0.243

Asset age ratio (2021) ?
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

34.5%

Solvency indicators evolution
AGENCE DE GESTION DES SINISTRES MEDICAUX

Sector positioning

Debt ratio
16.79 2021
2016
2020
2021
Q1: 1.12
Med: 15.14
Q3: 66.66
Average +26 pts over 3 years

In 2021, the debt ratio of AGENCE DE GESTION DES SIN... (16.79) 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
35.07% 2021
2016
2020
2021
Q1: 20.17%
Med: 45.44%
Q3: 64.09%
Average +15 pts over 3 years

In 2021, the financial autonomy of AGENCE DE GESTION DES SIN... (35.1%) 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
0.24 years 2021
2016
2020
2021
Q1: 0.0 years
Med: 0.27 years
Q3: 2.85 years
Good +22 pts over 3 years

In 2021, the repayment capacity of AGENCE DE GESTION DES SIN... (0.24) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 162.84. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

162.838

Interest coverage (2021) ?
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

0.0

Liquidity indicators evolution
AGENCE DE GESTION DES SINISTRES MEDICAUX

Sector positioning

Liquidity ratio
162.84 2021
2016
2020
2021
Q1: 130.44
Med: 183.87
Q3: 293.36
Average +16 pts over 3 years

In 2021, the liquidity ratio of AGENCE DE GESTION DES SIN... (162.84) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.0x 2021
2016
2020
2021
Q1: 0.0x
Med: 0.13x
Q3: 2.22x
Average -5 pts over 3 years

In 2021, the interest coverage of AGENCE DE GESTION DES SIN... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 225 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 86 days. The gap of 139 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 (-37 days): operations structurally generate cash. Over 2016-2021, WCR increased by +63%, requiring additional financing.

Operating WCR (2021) ?
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

-129 121 €

Customer credit (2021) ?
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

225 j

Supplier credit (2021) ?
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

86 j

Inventory turnover (2021) ?
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 (2021) ?
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

-37 j

WCR and payment terms evolution
AGENCE DE GESTION DES SINISTRES MEDICAUX

Positioning of AGENCE DE GESTION DES SINISTRES MEDICAUX in its sector

Comparison with sector Évaluation des risques et dommages

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (45 transactions). This range of 252 544€ to 1 502 427€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
252k€ 701k€ 1502k€
701 387 € Range: 252 544€ - 1 502 427€
NAF 4 année 2021 Aggregated at NAF sub-class level

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 45 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 (Évaluation des risques et dommages)

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

Voir toutes les statistiques du secteur Évaluation des risques et dommages

Frequently asked questions about AGENCE DE GESTION DES SINISTRES MEDICAUX

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

The revenue of AGENCE DE GESTION DES SINISTRES MEDICAUX in 2021 is 1.3 M€.

Is AGENCE DE GESTION DES SINISTRES MEDICAUX profitable?

Yes, AGENCE DE GESTION DES SINISTRES MEDICAUX generated a net profit of 451 k€ in 2021.

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

The headquarters of AGENCE DE GESTION DES SINISTRES MEDICAUX is located in LYON (69004), in the department Rhone.

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

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

AGENCE DE GESTION DES SINISTRES MEDICAUX operates in the sector Évaluation des risques et dommages (NAF code 66.21Z). See the 'Sector positioning' section above to compare the company with its competitors.