CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES : revenue, balance sheet and financial ratios

CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TOULOUSE (31500), this company of category PME shows in 2024 a revenue of 364 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

Financial history - CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES (SIREN 394096481)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 364 402 € 354 099 € 372 041 € 375 447 € 368 429 € 385 064 € 394 432 € 405 364 € 390 634 €
Net income 89 539 € 32 267 € 36 622 € 42 762 € 40 393 € 34 662 € 11 259 € 18 975 € 8 872 €
EBITDA 113 182 € 38 393 € 43 361 € 51 691 € 48 303 € 38 609 € 13 420 € 28 914 € 11 576 €
Net margin 24.6% 9.1% 9.8% 11.4% 11.0% 9.0% 2.9% 4.7% 2.3%

Revenue and income statement

In 2024, CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES achieves revenue of 364 k€. Activity remains stable over the period (CAGR: -0.9%). Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 364 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 113 k€, representing 31.1% of revenue. Positive scissor effect: EBITDA margin improves by +20.2 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 90 k€, i.e. 24.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

364 402 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

364 402 €

EBITDA (2024) ?
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

113 182 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

113 719 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

89 539 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

30.9%

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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 12%. 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 75%. 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 0.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 24.5% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

11.998%

Financial autonomy (2024) ?
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

74.778%

Cash flow / Revenue (2024) ?
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

24.473%

Repayment capacity (2024) ?
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

0.93

Asset age ratio (2024) ?
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

1.6%

Solvency indicators evolution
CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES

Sector positioning

Debt ratio
12.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average -14 pts over 3 years

In 2024, the debt ratio of CABINET CONSEIL EN INVEST... (12.00) 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
74.78% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good +8 pts over 3 years

In 2024, the financial autonomy of CABINET CONSEIL EN INVEST... (74.8%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.93 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -12 pts over 3 years

In 2024, the repayment capacity of CABINET CONSEIL EN INVEST... (0.93) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 202.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

202.523

Interest coverage (2024) ?
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
CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES

Sector positioning

Liquidity ratio
202.52 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -33 pts over 3 years

In 2024, the liquidity ratio of CABINET CONSEIL EN INVEST... (202.52) 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 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of CABINET CONSEIL EN INVEST... (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: 10 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 0 days. The company must finance 10 days of gap between collections and payments. WCR is negative (-138 days): operations structurally generate cash. Notable WCR improvement over the period (-476%), freeing up cash.

Operating WCR (2024) ?
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

-139 471 €

Customer credit (2024) ?
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

10 j

Supplier credit (2024) ?
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

0 j

Inventory turnover (2024) ?
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 (2024) ?
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

-138 j

WCR and payment terms evolution
CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES

Positioning of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES 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 CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES is estimated at 211 954 € (range 64 694€ - 714 016€). With an EBITDA of 113 182€, 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 2024
193 transactions
64k€ 211k€ 714k€
211 954 € Range: 64 694€ - 714 016€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
113 182 € × 1.2x
Estimation 137 024 €
35 392€ - 699 411€
Revenue Multiple 30%
364 402 € × 0.98x
Estimation 357 999 €
99 834€ - 665 816€
Net Income Multiple 20%
89 539 € × 2.0x
Estimation 180 212 €
85 244€ - 822 831€

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 CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES

What is the revenue of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES ?

The revenue of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES in 2024 is 364 k€.

Is CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES profitable?

Yes, CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES generated a net profit of 90 k€ in 2024.

Where is the headquarters of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES ?

The headquarters of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES is located in TOULOUSE (31500), in the department Haute-Garonne.

Where to find the tax return of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES ?

The tax return of CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES 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 CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES operate?

CABINET CONSEIL EN INVESTISSEMENTS ET ASSURANCES 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.