SIREN : 321798878
C.I.C.A.M is a French company founded 45 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CASTRES (81100), this company of category PME shows in 2024 a revenue of 379 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 379 164 € | 382 144 € | 371 674 € | 408 878 € | 376 099 € | 381 974 € | 385 663 € | 401 977 € | 414 913 € |
| Net income | 90 458 € | 98 301 € | 104 728 € | 143 818 € | 124 435 € | 77 430 € | 23 838 € | 23 364 € | 14 184 € |
| EBITDA | 112 941 € | 124 196 € | 133 806 € | 183 611 € | 166 066 € | 99 774 € | 24 697 € | 25 043 € | 19 144 € |
| Net margin | 23.9% | 25.7% | 28.2% | 35.2% | 33.1% | 20.3% | 6.2% | 5.8% | 3.4% |
In 2024, C.I.C.A.M achieves revenue of 379 k€. Activity remains stable over the period (CAGR: -1.1%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 379 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 113 k€, representing 29.8% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -9%, reducing margin by 2.7 pts. This reflects costs rising faster than 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 90 k€, i.e. 23.9% of revenue. This profit can be retained or distributed to shareholders.
379 164 €
379 164 €
112 941 €
113 142 €
90 458 €
29.8%
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 86%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 23.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
6.102%
85.758%
23.857%
0.223
In 2024, the debt ratio of C.I.C.A.M (6.10) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of C.I.C.A.M (85.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of C.I.C.A.M (0.22) 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 1109.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1109.97
0.0
In 2024, the liquidity ratio of C.I.C.A.M (1109.97) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of C.I.C.A.M (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. WCR is negative (-31 days): operations structurally generate cash. Notable WCR improvement over the period (-343%), freeing up cash.
-32 168 €
0 j
0 j
0 j
-31 j
Based on 193 transactions of similar company sales (all years), the value of C.I.C.A.M is estimated at 216 529 € (range 66 045€ - 723 052€). With an EBITDA of 112 941€, 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.
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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 C.I.C.A.M with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of C.I.C.A.M in 2024 is 379 k€.
Yes, C.I.C.A.M generated a net profit of 90 k€ in 2024.
The headquarters of C.I.C.A.M is located in CASTRES (81100), in the department Tarn.
The tax return of C.I.C.A.M 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).
C.I.C.A.M 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.