SIREN : 799162748
CATALA & ASSOCIES is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COLOMIERS (31770), this company of category PME shows in 2024 a revenue of 2.1 M€. 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2 060 846 € | 1 832 435 € | 1 651 314 € | 1 464 514 € | 1 328 118 € | 1 197 073 € | 1 020 107 € | 794 298 € | 647 222 € |
| Net income | 67 376 € | 31 924 € | 50 359 € | 45 270 € | 41 640 € | 16 831 € | 49 017 € | 47 449 € | 48 531 € |
| EBITDA | 122 612 € | 71 566 € | 88 983 € | 28 821 € | 72 398 € | 33 979 € | 32 525 € | 5 279 € | -32 582 € |
| Net margin | 3.3% | 1.7% | 3.0% | 3.1% | 3.1% | 1.4% | 4.8% | 6.0% | 7.5% |
In 2024, CATALA & ASSOCIES achieves revenue of 2.1 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +15.6%. Vs 2023, growth of +12% (1.8 M€ -> 2.1 M€). After deducting consumption (0 €), gross margin stands at 2.1 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 123 k€, representing 5.9% of revenue. Positive scissor effect: EBITDA margin improves by +2.0 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 67 k€, i.e. 3.3% of revenue. This profit can be retained or distributed to shareholders.
2 060 846 €
2 060 846 €
122 612 €
89 592 €
67 376 €
5.8%
The debt ratio (= Financial debt / Equity x 100) stands at 96%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
96.258%
31.199%
4.762%
4.438
36.4%
In 2024, the debt ratio of CATALA & ASSOCIES (96.26) 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 CATALA & ASSOCIES (31.2%) 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 2024, the repayment capacity of CATALA & ASSOCIES (4.44) 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 96.65. 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 3.2x. Financial charges are adequately covered by operations.
96.648
3.231
In 2024, the liquidity ratio of CATALA & ASSOCIES (96.65) 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 2024, the interest coverage of CATALA & ASSOCIES (3.2x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 271 days. Excellent situation: suppliers finance 270 days of the operating cycle (retail model). Overall, WCR represents 59 days of revenue, i.e. 341 k€ to permanently finance. Over 2016-2024, WCR increased by +696%, requiring additional financing.
340 514 €
1 j
271 j
0 j
59 j
Based on 193 transactions of similar company sales (all years), the value of CATALA & ASSOCIES is estimated at 708 731 € (range 201 380€ - 1 632 314€). With an EBITDA of 122 612€, 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 CATALA & ASSOCIES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CATALA & ASSOCIES in 2024 is 2.1 M€.
Yes, CATALA & ASSOCIES generated a net profit of 67 k€ in 2024.
The headquarters of CATALA & ASSOCIES is located in COLOMIERS (31770), in the department Haute-Garonne.
The tax return of CATALA & ASSOCIES 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).
CATALA & ASSOCIES 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.