SIREN : 817397672
APIC GESTION is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AMIENS (80090), this company of category PME shows in 2024 a revenue of 352 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 352 401 € | 337 520 € | 325 790 € | 321 314 € | 285 306 € | 287 417 € | 229 584 € | 248 122 € |
| Net income | 0 € | 0 € | 17 420 € | 18 092 € | 5 352 € | -2 053 € | -1 530 € | -5 517 € |
| EBITDA | 34 294 € | 73 038 € | 21 179 € | 16 967 € | 3 651 € | -2 669 € | -77 285 € | -66 911 € |
| Net margin | 0.0% | 0.0% | 5.3% | 5.6% | 1.9% | -0.7% | -0.7% | -2.2% |
In 2024, APIC GESTION achieves revenue of 352 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.1%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 352 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 34 k€, representing 9.7% of revenue. Warning negative scissor effect: despite revenue change (+4%), EBITDA varies by -53%, reducing margin by 11.9 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Net income is negative at 0 € (0.0% of revenue), which will impact equity.
352 401 €
352 401 €
34 294 €
28 464 €
9.7%
The debt ratio (= Financial debt / Equity x 100) stands at 671%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 12.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 7.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
671.073%
4.309%
7.823%
12.6
19.5%
In 2024, the debt ratio of APIC GESTION (671.07) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of APIC GESTION (4.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of APIC GESTION (12.60) 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 149.31. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
149.311
0.0
In 2024, the liquidity ratio of APIC GESTION (149.31) 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 APIC GESTION (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) 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: 45 days. Excellent situation: suppliers finance 45 days of the operating cycle (retail model). Overall, WCR represents 25 days of revenue, i.e. 24 k€ to permanently finance. Notable WCR improvement over the period (-79%), freeing up cash.
24 157 €
0 j
45 j
0 j
25 j
Based on 193 transactions of similar company sales (all years), the value of APIC GESTION is estimated at 155 777 € (range 42 907€ - 373 908€). With an EBITDA of 34 294€, 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.
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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 APIC GESTION with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of APIC GESTION in 2024 is 352 k€.
Yes, APIC GESTION generated a net profit of 17 k€ in 2022.
The headquarters of APIC GESTION is located in AMIENS (80090), in the department Somme.
The tax return of APIC GESTION 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).
APIC GESTION 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.