CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. : revenue, balance sheet and financial ratios

CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. is a French company founded 35 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 1.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. (SIREN 380348144)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 522 864 € 1 476 533 € 1 619 070 € 1 748 275 € 1 578 971 € 1 598 534 € 1 777 969 € 1 610 010 € 1 440 009 €
Net income 477 922 € 494 963 € 561 897 € 575 150 € 525 263 € 476 731 € 486 436 € 409 169 € 364 778 €
EBITDA 638 084 € 647 974 € 738 659 € 783 528 € 411 428 € 794 871 € 831 861 € 601 342 € 515 596 €
Net margin 31.4% 33.5% 34.7% 32.9% 33.3% 29.8% 27.4% 25.4% 25.3%

Revenue and income statement

In 2024, CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. achieves revenue of 1.5 M€. Revenue is growing positively over 9 years (CAGR: +0.7%). Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 1.5 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 638 k€, representing 41.9% 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 478 k€, i.e. 31.4% 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

1 522 864 €

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

1 522 864 €

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

638 084 €

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

632 457 €

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

477 922 €

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

41.9%

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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 0%. 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 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 31.7% 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

0.0%

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

48.468%

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

31.667%

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

0.0

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

10.3%

Solvency indicators evolution
CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S.

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent

In 2024, the debt ratio of CENTRALE EUROPEENNE D'ACH... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
48.47% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good

In 2024, the financial autonomy of CENTRALE EUROPEENNE D'ACH... (48.5%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of CENTRALE EUROPEENNE D'ACH... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 189.68. 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

189.679

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
CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S.

Sector positioning

Liquidity ratio
189.68 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average

In 2024, the liquidity ratio of CENTRALE EUROPEENNE D'ACH... (189.68) 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.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of CENTRALE EUROPEENNE D'ACH... (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: 200 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 240 days. Excellent situation: suppliers finance 40 days of the operating cycle (retail model). Overall, WCR represents 135 days of revenue, i.e. 571 k€ to permanently finance. Over 2016-2024, WCR increased by +64%, 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

570 526 €

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

200 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

240 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

135 j

WCR and payment terms evolution
CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S.

Positioning of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. 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 CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. is estimated at 1 027 460 € (range 315 927€ - 3 684 663€). With an EBITDA of 638 084€, 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
315k€ 1027k€ 3684k€
1 027 460 € Range: 315 927€ - 3 684 663€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
638 084 € × 1.2x
Estimation 772 499 €
199 529€ - 3 943 057€
Revenue Multiple 30%
1 522 864 € × 0.98x
Estimation 1 496 105 €
417 214€ - 2 782 495€
Net Income Multiple 20%
477 922 € × 2.0x
Estimation 961 899 €
454 997€ - 4 391 932€

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 CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. with other companies in the same sector:

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

Frequently asked questions about CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S.

What is the revenue of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. ?

The revenue of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. in 2024 is 1.5 M€.

Is CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. profitable?

Yes, CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. generated a net profit of 478 k€ in 2024.

Where is the headquarters of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. ?

The headquarters of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. is located in PARIS (75008), in the department Paris.

Where to find the tax return of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. ?

The tax return of CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. 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 CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. operate?

CENTRALE EUROPEENNE D'ACHAT D'ASSURANCE ET DE PRESTATIONS DE SERVICES - C.E.A.A.P.S. 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.