SIREN : 330285958
AIC GIOVANNETTI is a French company founded 41 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75004), this company of category PME shows in 2019 a revenue of 1.8 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
| Indicator | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 1 843 962 € | 1 468 914 € | 1 445 230 € | 1 422 484 € |
| Net income | 118 705 € | 48 268 € | 92 183 € | 96 215 € |
| EBITDA | 212 385 € | 106 638 € | 141 147 € | 181 477 € |
| Net margin | 6.4% | 3.3% | 6.4% | 6.8% |
In 2019, AIC GIOVANNETTI achieves revenue of 1.8 M€. Over the period 2016-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +9.0%. Vs 2018, growth of +26% (1.5 M€ -> 1.8 M€). After deducting consumption (0 €), gross margin stands at 1.8 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 212 k€, representing 11.5% of revenue. Positive scissor effect: EBITDA margin improves by +4.3 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 119 k€, i.e. 6.4% of revenue. This profit can be retained or distributed to shareholders.
1 843 962 €
1 843 962 €
212 385 €
208 087 €
118 705 €
11.5%
The debt ratio (= Financial debt / Equity x 100) stands at 78%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 45%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 13.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 6.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
77.947%
45.457%
6.023%
13.6
10.0%
In 2019, the debt ratio of AIC GIOVANNETTI (77.95) 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 2019, the financial autonomy of AIC GIOVANNETTI (45.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2019, the repayment capacity of AIC GIOVANNETTI (13.60) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 62.30. 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 17.7x. Operating income very largely covers interest expenses: high safety margin.
62.299
17.687
In 2019, the liquidity ratio of AIC GIOVANNETTI (62.30) 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.
In 2019, the interest coverage of AIC GIOVANNETTI (17.7x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. Excellent situation: suppliers finance 46 days of the operating cycle (retail model). WCR is negative (-120 days): operations structurally generate cash. Notable WCR improvement over the period (-515%), freeing up cash.
-614 224 €
1 j
47 j
0 j
-120 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 333 716€ to 1 567 404€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 AIC GIOVANNETTI with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AIC GIOVANNETTI in 2019 is 1.8 M€.
Yes, AIC GIOVANNETTI generated a net profit of 119 k€ in 2019.
The headquarters of AIC GIOVANNETTI is located in PARIS (75004), in the department Paris.
The tax return of AIC GIOVANNETTI 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).
AIC GIOVANNETTI 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.