SIREN : 450481403
AGIR FINANCE is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-CLOUD (92210), this company of category PME shows in 2024 a revenue of 781 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 780 685 € | 584 981 € | 538 270 € | 505 927 € | 526 457 € | 733 414 € | 500 738 € | 1 145 134 € |
| Net income | 30 963 € | 27 771 € | 8 265 € | -126 564 € | 7 812 € | 75 088 € | 10 505 € | -115 980 € |
| EBITDA | 68 952 € | 31 737 € | 12 224 € | -36 059 € | 16 274 € | 126 865 € | 20 294 € | -25 393 € |
| Net margin | 4.0% | 4.7% | 1.5% | -25.0% | 1.5% | 10.2% | 2.1% | -10.1% |
In 2024, AGIR FINANCE achieves revenue of 781 k€. Activity remains stable over the period (CAGR: -4.7%). Vs 2023, growth of +33% (585 k€ -> 781 k€). After deducting consumption (0 €), gross margin stands at 781 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 69 k€, representing 8.8% of revenue. Positive scissor effect: EBITDA margin improves by +3.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 31 k€, i.e. 4.0% of revenue. This profit can be retained or distributed to shareholders.
780 685 €
780 685 €
68 952 €
67 570 €
30 963 €
8.8%
The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 4.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
19.919%
36.045%
4.142%
0.266
10.7%
In 2024, the debt ratio of AGIR FINANCE (19.92) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of AGIR FINANCE (36.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of AGIR FINANCE (0.27) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 149.87. 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 2.4x. Financial charges are adequately covered by operations.
149.868
2.418
In 2024, the liquidity ratio of AGIR FINANCE (149.87) 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.
In 2024, the interest coverage of AGIR FINANCE (2.4x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 83 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 75 days. The company must finance 8 days of gap between collections and payments. Overall, WCR represents 130 days of revenue, i.e. 282 k€ to permanently finance.
281 671 €
83 j
75 j
0 j
130 j
Based on 193 transactions of similar company sales (all years), the value of AGIR FINANCE is estimated at 284 292 € (range 80 840€ - 697 880€). With an EBITDA of 68 952€, 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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare AGIR FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AGIR FINANCE in 2024 is 781 k€.
Yes, AGIR FINANCE generated a net profit of 31 k€ in 2024.
The headquarters of AGIR FINANCE is located in SAINT-CLOUD (92210), in the department Hauts-de-Seine.
The tax return of AGIR FINANCE 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).
AGIR FINANCE 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.