AGENCE GENERALI COGNAC : revenue, balance sheet and financial ratios

AGENCE GENERALI COGNAC is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COGNAC (16100), this company of category GE shows in 2022 a revenue of 322 k€. 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 GENERALI COGNAC (SIREN 844879106)
Indicator 2022 2021 2020 2019 2018
Revenue 322 484 € 157 622 € N/C N/C N/C
Net income 13 986 € 20 310 € -3 444 € -3 813 € -3 120 €
EBITDA 21 916 € 2 305 € -3 444 € -3 813 € -3 120 €
Net margin 4.3% 12.9% N/C N/C N/C

Revenue and income statement

In 2022, AGENCE GENERALI COGNAC achieves revenue of 322 k€. Over the period 2021-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +104.6%. Vs 2021, growth of +105% (158 k€ -> 322 k€). After deducting consumption (0 €), gross margin stands at 322 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 22 k€, representing 6.8% of revenue. Positive scissor effect: EBITDA margin improves by +5.3 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 4.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

322 484 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

322 484 €

EBITDA (2022) ?
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

21 916 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

21 271 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

13 986 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

6.8%

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Chart evolution

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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 533%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 13%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 30.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

532.73%

Financial autonomy (2022) ?
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

13.302%

Cash flow / Revenue (2022) ?
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

4.537%

Repayment capacity (2022) ?
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

30.165

Solvency indicators evolution
AGENCE GENERALI COGNAC

Sector positioning

Debt ratio
532.73 2022
2020
2021
2022
Q1: 0.03
Med: 12.53
Q3: 62.73
Average +50 pts over 3 years

In 2022, the debt ratio of AGENCE GENERALI COGNAC (532.73) 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
13.3% 2022
2020
2021
2022
Q1: 17.6%
Med: 47.13%
Q3: 73.76%
Average -39 pts over 3 years

In 2022, the financial autonomy of AGENCE GENERALI COGNAC (13.3%) 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
30.16 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Watch +51 pts over 3 years

In 2022, the repayment capacity of AGENCE GENERALI COGNAC (30.16) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 186.40. 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 11.8x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2022) ?
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

186.395

Interest coverage (2022) ?
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

11.845

Liquidity indicators evolution
AGENCE GENERALI COGNAC

Sector positioning

Liquidity ratio
186.4 2022
2020
2021
2022
Q1: 119.04
Med: 233.39
Q3: 514.95
Average +18 pts over 3 years

In 2022, the liquidity ratio of AGENCE GENERALI COGNAC (186.40) 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
11.85x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent +50 pts over 3 years

In 2022, the interest coverage of AGENCE GENERALI COGNAC (11.8x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 60 days. Excellent situation: suppliers finance 60 days of the operating cycle (retail model). WCR is negative (-14 days): operations structurally generate cash.

Operating WCR (2022) ?
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

-12 432 €

Customer credit (2022) ?
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

0 j

Supplier credit (2022) ?
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

60 j

Inventory turnover (2022) ?
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 (2022) ?
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

-14 j

WCR and payment terms evolution
AGENCE GENERALI COGNAC

Positioning of AGENCE GENERALI COGNAC 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 GENERALI COGNAC is estimated at 113 941 € (range 32 594€ - 270 188€). With an EBITDA of 21 916€, 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 2022
193 transactions
32k€ 113k€ 270k€
113 941 € Range: 32 594€ - 270 188€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
21 916 € × 1.2x
Estimation 26 533 €
6 853€ - 135 431€
Revenue Multiple 30%
322 484 € × 0.98x
Estimation 316 817 €
88 350€ - 589 225€
Net Income Multiple 20%
13 986 € × 2.0x
Estimation 28 149 €
13 315€ - 128 526€

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 GENERALI COGNAC 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 GENERALI COGNAC

What is the revenue of AGENCE GENERALI COGNAC ?

The revenue of AGENCE GENERALI COGNAC in 2022 is 322 k€.

Is AGENCE GENERALI COGNAC profitable?

Yes, AGENCE GENERALI COGNAC generated a net profit of 14 k€ in 2022.

Where is the headquarters of AGENCE GENERALI COGNAC ?

The headquarters of AGENCE GENERALI COGNAC is located in COGNAC (16100), in the department Charente.

Where to find the tax return of AGENCE GENERALI COGNAC ?

The tax return of AGENCE GENERALI COGNAC 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 GENERALI COGNAC operate?

AGENCE GENERALI COGNAC 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.