CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES : revenue, balance sheet and financial ratios

CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES is a French company founded 29 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category GE shows in 2024 a revenue of 5.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES (SIREN 410469258)
Indicator 2024 2023 2022 2017 2016
Revenue 5 385 228 € 5 069 769 € 4 826 517 € N/C 4 582 000 €
Net income -4 131 809 € 963 103 € 538 432 € 392 413 € 665 937 €
EBITDA 1 539 924 € 1 338 500 € 985 485 € N/C 954 609 €
Net margin -76.7% 19.0% 11.2% N/C 14.5%

Revenue and income statement

In 2024, CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES achieves revenue of 5.4 M€. Revenue is growing positively over 5 years (CAGR: +2.0%). Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 5.4 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 1.5 M€, representing 28.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -4.1 M€ (-76.7% of revenue), which will impact equity.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

5 385 228 €

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

5 385 228 €

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

1 539 924 €

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

1 516 335 €

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

-4 131 809 €

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

28.6%

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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 4%. 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 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 24.3% 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

4.38%

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

36.702%

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

24.334%

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

0.339

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

11.0%

Solvency indicators evolution
CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES

Sector positioning

Debt ratio
4.38 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good +10 pts over 3 years

In 2024, the debt ratio of CENTRE INTERREGIONAL DE G... (4.38) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
36.7% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -31 pts over 3 years

In 2024, the financial autonomy of CENTRE INTERREGIONAL DE G... (36.7%) 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
0.34 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of CENTRE INTERREGIONAL DE G... (0.34) 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 155.25. 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 2.2x. 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

155.249

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

2.224

Liquidity indicators evolution
CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES

Sector positioning

Liquidity ratio
155.25 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -28 pts over 3 years

In 2024, the liquidity ratio of CENTRE INTERREGIONAL DE G... (155.25) 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
2.22x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent +50 pts over 3 years

In 2024, the interest coverage of CENTRE INTERREGIONAL DE G... (2.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 82 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 197 days. Excellent situation: suppliers finance 115 days of the operating cycle (retail model). WCR is negative (-758 days): operations structurally generate cash. Notable WCR improvement over the period (-101%), 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

-11 345 868 €

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

82 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

197 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

-758 j

WCR and payment terms evolution
CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES

Positioning of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES 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 INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES is estimated at 3 149 171 € (range 854 223€ - 9 637 350€). With an EBITDA of 1 539 924€, 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
854k€ 3149k€ 9637k€
3 149 171 € Range: 854 223€ - 9 637 350€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 539 924 € × 1.2x
Estimation 1 864 315 €
481 534€ - 9 516 001€
Revenue Multiple 30%
5 385 228 € × 0.98x
Estimation 5 290 600 €
1 475 373€ - 9 839 598€

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 INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES 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 INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES

What is the revenue of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES ?

The revenue of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES in 2024 is 5.4 M€.

Is CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES profitable?

CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES recorded a net loss in 2024.

Where is the headquarters of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES ?

The headquarters of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES is located in PARIS (75008), in the department Paris.

Where to find the tax return of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES ?

The tax return of CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES 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 INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES operate?

CENTRE INTERREGIONAL DE GESTION D'ASSURANCES COLLECTIVES 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.