SIREN : 830157079
CMB ASSURFINANCES is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in METZ (57070), this company of category PME shows in 2024 a revenue of 392 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|
| Revenue | 391 733 € | 301 155 € | 225 637 € | 175 493 € | 131 710 € | 98 447 € |
| Net income | 201 025 € | 143 213 € | 101 667 € | 85 030 € | 53 645 € | 20 580 € |
| EBITDA | 249 880 € | 171 668 € | 110 575 € | 90 505 € | 57 686 € | 23 664 € |
| Net margin | 51.3% | 47.6% | 45.1% | 48.5% | 40.7% | 20.9% |
In 2024, CMB ASSURFINANCES achieves revenue of 392 k€. Over the period 2018-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +25.9%. Vs 2023, growth of +30% (301 k€ -> 392 k€). After deducting consumption (0 €), gross margin stands at 392 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 250 k€, representing 63.8% of revenue. Positive scissor effect: EBITDA margin improves by +6.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 201 k€, i.e. 51.3% of revenue. This profit can be retained or distributed to shareholders.
391 733 €
391 733 €
249 880 €
246 149 €
201 025 €
63.8%
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 76%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 52.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
76.329%
52.338%
0.0
39.0%
In 2024, the debt ratio of CMB ASSURFINANCES (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.
In 2024, the financial autonomy of CMB ASSURFINANCES (76.3%) 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 CMB ASSURFINANCES (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 409.70. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
409.705
0.0
In 2024, the liquidity ratio of CMB ASSURFINANCES (409.70) 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.
In 2024, the interest coverage of CMB ASSURFINANCES (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: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The company must finance 3 days of gap between collections and payments. WCR is negative (-33 days): operations structurally generate cash. Notable WCR improvement over the period (-9461%), freeing up cash.
-36 427 €
30 j
27 j
0 j
-33 j
Based on 193 transactions of similar company sales (all years), the value of CMB ASSURFINANCES is estimated at 347 633 € (range 109 541€ - 1 356 265€). With an EBITDA of 249 880€, 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 CMB ASSURFINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CMB ASSURFINANCES in 2024 is 392 k€.
Yes, CMB ASSURFINANCES generated a net profit of 201 k€ in 2024.
The headquarters of CMB ASSURFINANCES is located in METZ (57070), in the department Moselle.
The tax return of CMB ASSURFINANCES 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).
CMB ASSURFINANCES 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.