SIREN : 387947179
CAPIGEST FINANCE is a French company founded 33 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75014), this company of category PME shows in 2025 a revenue of 169 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 168 901 € | 148 812 € | 155 601 € | 113 763 € | 108 727 € | 159 819 € | 140 327 € | 178 625 € | 198 462 € | 232 281 € |
| Net income | 25 864 € | -127 282 € | 17 866 € | 38 699 € | -18 860 € | 22 790 € | 7 533 € | 38 374 € | 66 € | 28 089 € |
| EBITDA | 29 143 € | -15 170 € | -1 187 € | -25 137 € | -52 948 € | 341 € | -15 221 € | -23 513 € | 67 € | 15 350 € |
| Net margin | 15.3% | -85.5% | 11.5% | 34.0% | -17.3% | 14.3% | 5.4% | 21.5% | 0.0% | 12.1% |
In 2025, CAPIGEST FINANCE achieves revenue of 169 k€. Activity remains stable over the period (CAGR: -3.5%). Vs 2024, growth of +13% (149 k€ -> 169 k€). After deducting consumption (0 €), gross margin stands at 169 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 29 k€, representing 17.3% of revenue. Positive scissor effect: EBITDA margin improves by +27.4 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 26 k€, i.e. 15.3% of revenue. This profit can be retained or distributed to shareholders.
168 901 €
168 901 €
29 143 €
27 761 €
25 864 €
17.3%
The debt ratio (= Financial debt / Equity x 100) stands at 132%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 25%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
132.461%
25.013%
16.944%
1.828
84.8%
In 2025, the debt ratio of CAPIGEST FINANCE (132.46) 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 2025, the financial autonomy of CAPIGEST FINANCE (25.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2025, the repayment capacity of CAPIGEST FINANCE (1.83) 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 158.30. 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 1.8x. Coverage is limited: any activity downturn would jeopardize interest payments.
158.3
1.801
In 2025, the liquidity ratio of CAPIGEST FINANCE (158.30) 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 2025, the interest coverage of CAPIGEST FINANCE (1.8x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 88 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. The gap of 53 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-7 days): operations structurally generate cash. Notable WCR improvement over the period (-102%), freeing up cash.
-3 356 €
88 j
35 j
0 j
-7 j
Based on 193 transactions of similar company sales (all years), the value of CAPIGEST FINANCE is estimated at 77 832 € (range 23 363€ - 230 163€). With an EBITDA of 29 143€, 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 CAPIGEST FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CAPIGEST FINANCE in 2025 is 169 k€.
Yes, CAPIGEST FINANCE generated a net profit of 26 k€ in 2025.
The headquarters of CAPIGEST FINANCE is located in PARIS (75014), in the department Paris.
The tax return of CAPIGEST FINANCE 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).
CAPIGEST FINANCE 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.