SIREN : 797892890
CFB EPARGNE is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOULAZAC ISLE MANOIRE (24330), this company of category ETI shows in 2022 a revenue of 310 k€. 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
| Indicator | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|
| Revenue | 309 784 € | 216 938 € | 41 210 € | 214 € | 90 631 € | 414 010 € |
| Net income | 10 106 € | 8 779 € | 24 489 € | -2 902 € | 24 834 € | 50 163 € |
| EBITDA | 23 722 € | 14 979 € | 26 462 € | -6 013 € | 26 727 € | 57 808 € |
| Net margin | 3.3% | 4.0% | 59.4% | -1356.1% | 27.4% | 12.1% |
In 2022, CFB EPARGNE achieves revenue of 310 k€. Activity remains stable over the period (CAGR: -4.7%). Vs 2021, growth of +43% (217 k€ -> 310 k€). After deducting consumption (0 €), gross margin stands at 310 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 24 k€, representing 7.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10 k€, i.e. 3.3% of revenue. This profit can be retained or distributed to shareholders.
309 784 €
309 784 €
23 722 €
20 392 €
10 106 €
7.7%
The debt ratio (= Financial debt / Equity x 100) stands at 36%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 27%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
36.477%
27.044%
6.57%
0.437
16.5%
In 2022, the debt ratio of CFB EPARGNE (36.48) 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 2022, the financial autonomy of CFB EPARGNE (27.0%) 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 2022, the repayment capacity of CFB EPARGNE (0.44) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 155.03. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
155.026
0.0
In 2022, the liquidity ratio of CFB EPARGNE (155.03) 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.
In 2022, the interest coverage of CFB EPARGNE (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). WCR is negative (-7 days): operations structurally generate cash. Notable WCR improvement over the period (-114%), freeing up cash.
-5 812 €
0 j
54 j
0 j
-7 j
Based on 193 transactions of similar company sales (all years), the value of CFB EPARGNE is estimated at 109 729 € (range 31 094€ - 261 675€). With an EBITDA of 23 722€, 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.
Ajustez les pondérations selon votre analyse
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 CFB EPARGNE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CFB EPARGNE in 2022 is 310 k€.
Yes, CFB EPARGNE generated a net profit of 10 k€ in 2022.
The headquarters of CFB EPARGNE is located in BOULAZAC ISLE MANOIRE (24330), in the department Dordogne.
The tax return of CFB EPARGNE 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).
CFB EPARGNE 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.