CENTRE DE PREVOYANCE MEDICO SOCIAL : revenue, balance sheet and financial ratios

CENTRE DE PREVOYANCE MEDICO SOCIAL is a French company founded 28 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category PME shows in 2024 a revenue of 22.1 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 - CENTRE DE PREVOYANCE MEDICO SOCIAL (SIREN 414357889)
Indicator 2024 2023 2022 2021 2020 2018 2017
Revenue 22 066 742 € 19 082 742 € 16 053 328 € 13 626 186 € 12 541 414 € 9 530 447 € 9 406 724 €
Net income 1 678 656 € 1 507 296 € 487 389 € 319 239 € 293 916 € 371 079 € 314 572 €
EBITDA 1 899 608 € 2 007 270 € 964 181 € 838 294 € 443 043 € 83 064 € 436 198 €
Net margin 7.6% 7.9% 3.0% 2.3% 2.3% 3.9% 3.3%

Revenue and income statement

In 2024, CENTRE DE PREVOYANCE MEDICO SOCIAL achieves revenue of 22.1 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.0%. Vs 2023, growth of +16% (19.1 M€ -> 22.1 M€). After deducting consumption (172 k€), gross margin stands at 21.9 M€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.9 M€, representing 8.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.7 M€, i.e. 7.6% 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

22 066 742 €

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

21 894 491 €

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

1 899 608 €

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

1 481 235 €

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

1 678 656 €

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

8.6%

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Chart evolution

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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 89%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 9.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

88.72%

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

6.602%

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

9.234%

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

0.791

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

42.0%

Solvency indicators evolution
CENTRE DE PREVOYANCE MEDICO SOCIAL

Sector positioning

Debt ratio
88.72 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average

In 2024, the debt ratio of CENTRE DE PREVOYANCE MEDI... (88.72) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
6.6% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of CENTRE DE PREVOYANCE MEDI... (6.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.79 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -14 pts over 3 years

In 2024, the repayment capacity of CENTRE DE PREVOYANCE MEDI... (0.79) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 96.79. 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 2.5x. Financial charges are adequately covered by operations.

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

96.79

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

2.475

Liquidity indicators evolution
CENTRE DE PREVOYANCE MEDICO SOCIAL

Sector positioning

Liquidity ratio
96.79 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Watch

In 2024, the liquidity ratio of CENTRE DE PREVOYANCE MEDI... (96.79) 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.

Interest coverage
2.48x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent

In 2024, the interest coverage of CENTRE DE PREVOYANCE MEDI... (2.5x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 64 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 49 days. The company must finance 15 days of gap between collections and payments. WCR is negative (-350 days): operations structurally generate cash. Notable WCR improvement over the period (-186%), freeing up cash.

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

-21 476 236 €

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

64 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

49 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

-350 j

WCR and payment terms evolution
CENTRE DE PREVOYANCE MEDICO SOCIAL

Positioning of CENTRE DE PREVOYANCE MEDICO SOCIAL 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 CENTRE DE PREVOYANCE MEDICO SOCIAL is estimated at 8 329 296 € (range 2 430 295€ - 21 050 336€). With an EBITDA of 1 899 608€, 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
2430k€ 8329k€ 21050k€
8 329 296 € Range: 2 430 295€ - 21 050 336€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 899 608 € × 1.2x
Estimation 2 299 768 €
594 007€ - 11 738 678€
Revenue Multiple 30%
22 066 742 € × 0.98x
Estimation 21 678 989 €
6 045 552€ - 40 319 161€
Net Income Multiple 20%
1 678 656 € × 2.0x
Estimation 3 378 580 €
1 598 133€ - 15 426 247€

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 CENTRE DE PREVOYANCE MEDICO SOCIAL with other companies in the same sector:

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

Frequently asked questions about CENTRE DE PREVOYANCE MEDICO SOCIAL

What is the revenue of CENTRE DE PREVOYANCE MEDICO SOCIAL ?

The revenue of CENTRE DE PREVOYANCE MEDICO SOCIAL in 2024 is 22.1 M€.

Is CENTRE DE PREVOYANCE MEDICO SOCIAL profitable?

Yes, CENTRE DE PREVOYANCE MEDICO SOCIAL generated a net profit of 1.7 M€ in 2024.

Where is the headquarters of CENTRE DE PREVOYANCE MEDICO SOCIAL ?

The headquarters of CENTRE DE PREVOYANCE MEDICO SOCIAL is located in PARIS (75009), in the department Paris.

Where to find the tax return of CENTRE DE PREVOYANCE MEDICO SOCIAL ?

The tax return of CENTRE DE PREVOYANCE MEDICO SOCIAL 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 CENTRE DE PREVOYANCE MEDICO SOCIAL operate?

CENTRE DE PREVOYANCE MEDICO SOCIAL 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.