CIE AUTOMOB ASSURANCE ET REASSURANCE ASS : revenue, balance sheet and financial ratios

CIE AUTOMOB ASSURANCE ET REASSURANCE ASS is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PUTEAUX (92800), this company of category PME shows in 2024 a revenue of 7.3 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 - CIE AUTOMOB ASSURANCE ET REASSURANCE ASS (SIREN 442320438)
Indicator 2024 2023 2022 2021 2020 2019 2017 2016
Revenue 7 338 918 € 6 320 560 € 6 120 193 € 6 544 052 € 5 204 716 € 4 662 899 € 3 534 766 € 3 126 084 €
Net income 782 707 € 1 232 428 € 1 260 164 € 1 323 536 € 967 540 € 833 830 € 503 284 € 435 714 €
EBITDA 1 368 866 € 1 161 704 € 1 426 593 € 1 759 347 € 1 271 806 € 1 062 783 € 1 078 768 € 1 098 265 €
Net margin 10.7% 19.5% 20.6% 20.2% 18.6% 17.9% 14.2% 13.9%

Revenue and income statement

In 2024, CIE AUTOMOB ASSURANCE ET REASSURANCE ASS achieves revenue of 7.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.3%. Vs 2023, growth of +16% (6.3 M€ -> 7.3 M€). After deducting consumption (0 €), gross margin stands at 7.3 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 1.4 M€, representing 18.7% of 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 783 k€, i.e. 10.7% 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

7 338 918 €

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

7 338 918 €

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

1 368 866 €

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

927 179 €

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

782 707 €

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

18.7%

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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 0%. 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 57%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 15.8% 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

0.0%

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

56.895%

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

15.812%

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

0.0

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

32.0%

Solvency indicators evolution
CIE AUTOMOB ASSURANCE ET REASSURANCE ASS

Sector positioning

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

In 2024, the debt ratio of CIE AUTOMOB ASSURANCE ET ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
56.9% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good +6 pts over 3 years

In 2024, the financial autonomy of CIE AUTOMOB ASSURANCE ET ... (56.9%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of CIE AUTOMOB ASSURANCE ET ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 229.29. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

229.293

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

0.0

Liquidity indicators evolution
CIE AUTOMOB ASSURANCE ET REASSURANCE ASS

Sector positioning

Liquidity ratio
229.29 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average +6 pts over 3 years

In 2024, the liquidity ratio of CIE AUTOMOB ASSURANCE ET ... (229.29) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of CIE AUTOMOB ASSURANCE ET ... (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 39 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. The company must finance 6 days of gap between collections and payments. Overall, WCR represents 44 days of revenue, i.e. 906 k€ to permanently finance. Over 2016-2024, WCR increased by +173%, requiring additional financing.

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

906 430 €

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

39 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

33 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

44 j

WCR and payment terms evolution
CIE AUTOMOB ASSURANCE ET REASSURANCE ASS

Positioning of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS 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 CIE AUTOMOB ASSURANCE ET REASSURANCE ASS is estimated at 3 306 665 € (range 966 239€ - 9 690 813€). With an EBITDA of 1 368 866€, 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
966k€ 3306k€ 9690k€
3 306 665 € Range: 966 239€ - 9 690 813€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 368 866 € × 1.2x
Estimation 1 657 223 €
428 044€ - 8 458 944€
Revenue Multiple 30%
7 338 918 € × 0.98x
Estimation 7 209 960 €
2 010 619€ - 13 409 275€
Net Income Multiple 20%
782 707 € × 2.0x
Estimation 1 575 330 €
745 162€ - 7 192 797€

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 CIE AUTOMOB ASSURANCE ET REASSURANCE ASS with other companies in the same sector:

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

Frequently asked questions about CIE AUTOMOB ASSURANCE ET REASSURANCE ASS

What is the revenue of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS ?

The revenue of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS in 2024 is 7.3 M€.

Is CIE AUTOMOB ASSURANCE ET REASSURANCE ASS profitable?

Yes, CIE AUTOMOB ASSURANCE ET REASSURANCE ASS generated a net profit of 783 k€ in 2024.

Where is the headquarters of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS ?

The headquarters of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS is located in PUTEAUX (92800), in the department Hauts-de-Seine.

Where to find the tax return of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS ?

The tax return of CIE AUTOMOB ASSURANCE ET REASSURANCE ASS 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 CIE AUTOMOB ASSURANCE ET REASSURANCE ASS operate?

CIE AUTOMOB ASSURANCE ET REASSURANCE ASS 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.