SIREN : 389002403
CAPITAL CONFIANCE is a French company founded 33 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in QUIMPER (29000), this company of category PME shows in 2024 a revenue of 944 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 | 2024 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 944 142 € | N/C | N/C | 590 724 € | 478 090 € | 427 547 € |
| Net income | 444 855 € | 309 026 € | 108 857 € | 163 785 € | 94 954 € | 83 661 € |
| EBITDA | 430 399 € | N/C | N/C | 234 670 € | 162 332 € | 140 081 € |
| Net margin | 47.1% | N/C | N/C | 27.7% | 19.9% | 19.6% |
In 2024, CAPITAL CONFIANCE achieves revenue of 944 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.4%. After deducting consumption (0 €), gross margin stands at 944 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 430 k€, representing 45.6% of 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 445 k€, i.e. 47.1% of revenue. This profit can be retained or distributed to shareholders.
944 142 €
944 142 €
430 399 €
386 846 €
444 855 €
45.6%
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 82%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 52.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
11.995%
82.371%
52.577%
0.154
57.3%
In 2024, the debt ratio of CAPITAL CONFIANCE (11.99) 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 2024, the financial autonomy of CAPITAL CONFIANCE (82.4%) 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.
In 2024, the repayment capacity of CAPITAL CONFIANCE (0.15) 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 736.07. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.
736.065
0.588
In 2024, the liquidity ratio of CAPITAL CONFIANCE (736.07) 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.
In 2024, the interest coverage of CAPITAL CONFIANCE (0.6x) 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: 38 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Overall, WCR represents 50 days of revenue, i.e. 130 k€ to permanently finance. Notable WCR improvement over the period (-33%), freeing up cash.
129 999 €
38 j
44 j
0 j
50 j
Based on 193 transactions of similar company sales (all years), the value of CAPITAL CONFIANCE is estimated at 717 866 € (range 229 595€ - 2 664 968€). With an EBITDA of 430 399€, 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 CAPITAL CONFIANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CAPITAL CONFIANCE in 2024 is 944 k€.
Yes, CAPITAL CONFIANCE generated a net profit of 445 k€ in 2024.
The headquarters of CAPITAL CONFIANCE is located in QUIMPER (29000), in the department Finistere.
The tax return of CAPITAL CONFIANCE 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).
CAPITAL CONFIANCE 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.