CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE : revenue, balance sheet and financial ratios
CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE is a French company
founded 34 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in ORLEANS (45000),
this company of category GE
shows in 2024 a revenue of 268.6 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE (SIREN 383952470)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
268 554 000 €
251 055 000 €
297 198 000 €
306 097 000 €
N/C
N/C
N/C
N/C
N/C
Net income
42 259 000 €
0 €
50 956 000 €
54 704 000 €
0 €
57 237 000 €
0 €
0 €
63 794 000 €
EBITDA
82 493 000 €
251 055 000 €
57 755 000 €
306 097 000 €
N/C
N/C
N/C
N/C
N/C
Net margin
15.7%
0.0%
17.1%
17.9%
N/C
N/C
N/C
N/C
N/C
Revenue and income statement
In 2024, CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE achieves revenue of 268.6 M€. Activity remains stable over the period (CAGR: -4.3%). Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 268.6 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 82.5 M€, representing 30.7% of revenue. Warning negative scissor effect: despite revenue change (+7%), EBITDA varies by -67%, reducing margin by 69.3 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 42.3 M€, i.e. 15.7% 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
268 554 000 €
Gross margin (2024)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
268 554 000 €
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
82 493 000 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
46 314 000 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
42 259 000 €
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
30.7%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 400%. 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 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 78.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 32.5% 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
399.798%
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
6.995%
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
32.519%
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
77.984
Solvency indicators evolution CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
0.0
0.0
None
0.0
1064.426
0.0
0.0
1271.943
399.798
Financial autonomy
9.016
8.779
0.0
8.977
8.339
8.405
7.154
7.125
6.995
Repayment capacity
0.0
0.0
0.0
0.0
237.335
0.0
0.0
72.505
77.984
Cash flow / Revenue
None%
None%
None%
None%
None%
28.213%
29.441%
116.813%
32.519%
Sector positioning
Debt ratio
399.82024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Watch+50 pts over 3 years
In 2024, the debt ratio of CAISSE D'EPARGNE ET DE PR... (399.80) 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.
Financial autonomy
7.0%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average
In 2024, the financial autonomy of CAISSE D'EPARGNE ET DE PR... (7.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Repayment capacity
77.98 years2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Watch+53 pts over 3 years
In 2024, the repayment capacity of CAISSE D'EPARGNE ET DE PR... (77.98) 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.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 11317 days of revenue, i.e. 8.4 Bn€ to permanently finance.
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
8 442 421 991 €
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
0 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
11317 j
WCR and payment terms evolution CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
0 €
0 €
0 €
0 €
0 €
-16 568 247 002 €
0 €
1 305 541 232 €
8 442 421 991 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
0
0
Supplier payment term (days)
0
0
0
0
0
0
0
0
0
Positioning of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE 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 CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE is estimated at
146 096 415 €
(range 43 016 597€ - 479 759 077€).
With an EBITDA of 82 493 000€, 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 value2024
193 transactions
43016k€146096k€479759k€
146 096 415 €Range: 43 016 597€ - 479 759 077€
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
82 493 000 €×1.2x
Estimation99 870 460 €
25 795 531€ - 509 767 692€
Revenue Multiple30%
268 554 000 €×0.98x
Estimation263 835 020 €
73 574 843€ - 490 687 390€
Net Income Multiple20%
42 259 000 €×2.0x
Estimation85 053 398 €
40 231 894€ - 388 345 072€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE with other companies in the same sector:
Frequently asked questions about CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE
What is the revenue of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE ?
The revenue of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE in 2024 is 268.6 M€.
Is CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE profitable?
Yes, CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE generated a net profit of 42.3 M€ in 2024.
Where is the headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE ?
The headquarters of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE is located in ORLEANS (45000), in the department Loiret.
Where to find the tax return of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE ?
The tax return of CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE 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 CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE operate?
CAISSE D'EPARGNE ET DE PREVOYANCE LOIRE-CENTRE 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.
Item evolution
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