CENTRE GESTION INFORMATIONS FINANCIERE : revenue, balance sheet and financial ratios

CENTRE GESTION INFORMATIONS FINANCIERE is a French company founded 26 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in POISSY (78300), this company of category PME shows in 2023 a revenue of 321 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

Financial history - CENTRE GESTION INFORMATIONS FINANCIERE (SIREN 423388313)
Indicator 2023 2022 2021 2020 2019 2018 2017
Revenue 320 629 € 340 518 € 309 451 € 213 685 € 268 338 € 282 457 € 275 616 €
Net income 23 836 € 12 848 € 7 361 € 1 465 € -27 € 1 001 € 939 €
EBITDA 28 107 € 17 044 € 9 266 € 5 339 € -738 € 3 711 € 2 926 €
Net margin 7.4% 3.8% 2.4% 0.7% -0.0% 0.4% 0.3%

Revenue and income statement

In 2023, CENTRE GESTION INFORMATIONS FINANCIERE achieves revenue of 321 k€. Revenue is growing positively over 7 years (CAGR: +2.6%). Slight decline of -6% vs 2022. After deducting consumption (0 €), gross margin stands at 321 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 28 k€, representing 8.8% of revenue. Positive scissor effect: EBITDA margin improves by +3.8 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 24 k€, i.e. 7.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

320 629 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

320 629 €

EBITDA (2023) ?
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

28 107 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

28 096 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

23 836 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

8.8%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 69%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

18.89%

Financial autonomy (2023) ?
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

69.343%

Cash flow / Revenue (2023) ?
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

7.442%

Repayment capacity (2023) ?
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

0.633

Solvency indicators evolution
CENTRE GESTION INFORMATIONS FINANCIERE

Sector positioning

Debt ratio
18.89 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average -18 pts over 3 years

In 2023, the debt ratio of CENTRE GESTION INFORMATIO... (18.89) 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
69.34% 2023
2021
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Good +38 pts over 3 years

In 2023, the financial autonomy of CENTRE GESTION INFORMATIO... (69.3%) 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
0.63 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average -18 pts over 3 years

In 2023, the repayment capacity of CENTRE GESTION INFORMATIO... (0.63) 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 508.23. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2023) ?
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

508.23

Interest coverage (2023) ?
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

0.192

Liquidity indicators evolution
CENTRE GESTION INFORMATIONS FINANCIERE

Sector positioning

Liquidity ratio
508.23 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Good +33 pts over 3 years

In 2023, the liquidity ratio of CENTRE GESTION INFORMATIO... (508.23) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.19x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good -23 pts over 3 years

In 2023, the interest coverage of CENTRE GESTION INFORMATIO... (0.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 111 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 29 days. The gap of 82 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 109 days of revenue, i.e. 97 k€ to permanently finance. Over 2017-2023, WCR increased by +143%, requiring additional financing.

Operating WCR (2023) ?
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

97 237 €

Customer credit (2023) ?
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

111 j

Supplier credit (2023) ?
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

29 j

Inventory turnover (2023) ?
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 (2023) ?
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

109 j

WCR and payment terms evolution
CENTRE GESTION INFORMATIONS FINANCIERE

Positioning of CENTRE GESTION INFORMATIONS FINANCIERE 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 GESTION INFORMATIONS FINANCIERE is estimated at 121 107 € (range 35 285€ - 306 403€). With an EBITDA of 28 107€, 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 2023
193 transactions
35k€ 121k€ 306k€
121 107 € Range: 35 285€ - 306 403€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
28 107 € × 1.2x
Estimation 34 028 €
8 789€ - 173 688€
Revenue Multiple 30%
320 629 € × 0.98x
Estimation 314 995 €
87 842€ - 585 836€
Net Income Multiple 20%
23 836 € × 2.0x
Estimation 47 974 €
22 693€ - 219 044€

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 GESTION INFORMATIONS FINANCIERE 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 GESTION INFORMATIONS FINANCIERE

What is the revenue of CENTRE GESTION INFORMATIONS FINANCIERE ?

The revenue of CENTRE GESTION INFORMATIONS FINANCIERE in 2023 is 321 k€.

Is CENTRE GESTION INFORMATIONS FINANCIERE profitable?

Yes, CENTRE GESTION INFORMATIONS FINANCIERE generated a net profit of 24 k€ in 2023.

Where is the headquarters of CENTRE GESTION INFORMATIONS FINANCIERE ?

The headquarters of CENTRE GESTION INFORMATIONS FINANCIERE is located in POISSY (78300), in the department Yvelines.

Where to find the tax return of CENTRE GESTION INFORMATIONS FINANCIERE ?

The tax return of CENTRE GESTION INFORMATIONS FINANCIERE 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 GESTION INFORMATIONS FINANCIERE operate?

CENTRE GESTION INFORMATIONS FINANCIERE 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.