CAPAVENIR EXPERTS & PREVOYANCE : revenue, balance sheet and financial ratios

CAPAVENIR EXPERTS & PREVOYANCE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 376 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

Financial history - CAPAVENIR EXPERTS & PREVOYANCE (SIREN 524289428)
Indicator 2024 2023 2021 2020 2019 2018 2017
Revenue 375 858 € 324 834 € 217 041 € 229 060 € 187 775 € 178 481 € 173 845 €
Net income 83 914 € 47 536 € 19 064 € 47 542 € 1 415 € 2 897 € 85 €
EBITDA 99 338 € 50 236 € 15 012 € 57 948 € -2 606 € -4 231 € -1 233 €
Net margin 22.3% 14.6% 8.8% 20.8% 0.8% 1.6% 0.0%

Revenue and income statement

In 2024, CAPAVENIR EXPERTS & PREVOYANCE achieves revenue of 376 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.6%. Vs 2023, growth of +16% (325 k€ -> 376 k€). After deducting consumption (0 €), gross margin stands at 376 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 99 k€, representing 26.4% of revenue. Positive scissor effect: EBITDA margin improves by +11.0 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 84 k€, i.e. 22.3% 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

375 858 €

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

375 858 €

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

99 338 €

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

111 418 €

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

83 914 €

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

26.4%

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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 1%. 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 83%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 19.1% 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

0.869%

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

82.684%

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

19.113%

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

0.013

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

1.4%

Solvency indicators evolution
CAPAVENIR EXPERTS & PREVOYANCE

Sector positioning

Debt ratio
0.87 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good -24 pts over 3 years

In 2024, the debt ratio of CAPAVENIR EXPERTS & PREVO... (0.87) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
82.68% 2024
2021
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent +40 pts over 3 years

In 2024, the financial autonomy of CAPAVENIR EXPERTS & PREVO... (82.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.01 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Good -23 pts over 3 years

In 2024, the repayment capacity of CAPAVENIR EXPERTS & PREVO... (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 595.44. 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

595.444

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
CAPAVENIR EXPERTS & PREVOYANCE

Sector positioning

Liquidity ratio
595.44 2024
2021
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Excellent +44 pts over 3 years

In 2024, the liquidity ratio of CAPAVENIR EXPERTS & PREVO... (595.44) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Average

In 2024, the interest coverage of CAPAVENIR EXPERTS & PREVO... (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 6 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Overall, WCR represents 2 days of revenue, i.e. 2 k€ to permanently finance. Over 2017-2024, WCR increased by +117%, requiring additional financing.

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

1 665 €

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

6 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

2 j

WCR and payment terms evolution
CAPAVENIR EXPERTS & PREVOYANCE

Positioning of CAPAVENIR EXPERTS & PREVOYANCE 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 CAPAVENIR EXPERTS & PREVOYANCE is estimated at 204 686 € (range 62 400€ - 667 183€). With an EBITDA of 99 338€, 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
62k€ 204k€ 667k€
204 686 € Range: 62 400€ - 667 183€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
99 338 € × 1.2x
Estimation 120 264 €
31 063€ - 613 862€
Revenue Multiple 30%
375 858 € × 0.98x
Estimation 369 253 €
102 973€ - 686 747€
Net Income Multiple 20%
83 914 € × 2.0x
Estimation 168 891 €
79 889€ - 771 140€

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 CAPAVENIR EXPERTS & PREVOYANCE with other companies in the same sector:

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

Frequently asked questions about CAPAVENIR EXPERTS & PREVOYANCE

What is the revenue of CAPAVENIR EXPERTS & PREVOYANCE ?

The revenue of CAPAVENIR EXPERTS & PREVOYANCE in 2024 is 376 k€.

Is CAPAVENIR EXPERTS & PREVOYANCE profitable?

Yes, CAPAVENIR EXPERTS & PREVOYANCE generated a net profit of 84 k€ in 2024.

Where is the headquarters of CAPAVENIR EXPERTS & PREVOYANCE ?

The headquarters of CAPAVENIR EXPERTS & PREVOYANCE is located in PARIS (75008), in the department Paris.

Where to find the tax return of CAPAVENIR EXPERTS & PREVOYANCE ?

The tax return of CAPAVENIR EXPERTS & PREVOYANCE 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 CAPAVENIR EXPERTS & PREVOYANCE operate?

CAPAVENIR EXPERTS & PREVOYANCE 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.