SIREN : 823462098
CAP SUD ASSURANCES 34 is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AGDE (34300), this company of category PME shows in 2022 a revenue of 142 k€. 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 142 175 € | 146 263 € | 169 405 € | 334 772 € | N/C | N/C |
| Net income | 12 243 € | 6 337 € | 21 864 € | 17 166 € | 0 € | 0 € |
| EBITDA | 18 686 € | 10 421 € | 27 454 € | 35 875 € | N/C | N/C |
| Net margin | 8.6% | 4.3% | 12.9% | 5.1% | N/C | N/C |
In 2022, CAP SUD ASSURANCES 34 achieves revenue of 142 k€. Revenue is declining over the period 2019-2022 (CAGR: -24.8%). Slight decline of -3% vs 2021. After deducting consumption (0 €), gross margin stands at 142 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 19 k€, representing 13.1% of revenue. Positive scissor effect: EBITDA margin improves by +6.0 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 12 k€, i.e. 8.6% of revenue. This profit can be retained or distributed to shareholders.
142 175 €
142 175 €
18 686 €
15 121 €
12 243 €
13.1%
The debt ratio (= Financial debt / Equity x 100) stands at 50%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 19.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
49.711%
21.304%
19.532%
1.332
65.3%
In 2022, the debt ratio of CAP SUD ASSURANCES 34 (49.71) 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 2022, the financial autonomy of CAP SUD ASSURANCES 34 (21.3%) 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 2022, the repayment capacity of CAP SUD ASSURANCES 34 (1.33) 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 44.73. 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 3.8x. Financial charges are adequately covered by operations.
44.728
3.842
In 2022, the liquidity ratio of CAP SUD ASSURANCES 34 (44.73) 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 2022, the interest coverage of CAP SUD ASSURANCES 34 (3.8x) 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: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 8 days. The company must finance 25 days of gap between collections and payments. WCR is negative (-152 days): operations structurally generate cash.
-60 176 €
33 j
8 j
0 j
-152 j
Based on 193 transactions of similar company sales (all years), the value of CAP SUD ASSURANCES 34 is estimated at 58 142 € (range 16 938€ - 158 169€). With an EBITDA of 18 686€, 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 CAP SUD ASSURANCES 34 with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CAP SUD ASSURANCES 34 in 2022 is 142 k€.
Yes, CAP SUD ASSURANCES 34 generated a net profit of 12 k€ in 2022.
The headquarters of CAP SUD ASSURANCES 34 is located in AGDE (34300), in the department Herault.
The tax return of CAP SUD ASSURANCES 34 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).
CAP SUD ASSURANCES 34 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.