Employees: 11 (2023.0)Legal category: SCA (commandite par actions)Size: ETICreation date: 2021-04-30 (4 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: SAINT-DOULCHARD (18230), Cher
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
COGEP LIFE : revenue, balance sheet and financial ratios
COGEP LIFE is a French company
founded 4 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in SAINT-DOULCHARD (18230),
this company of category ETI
shows in 2022 a revenue of 1.1 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2025, COGEP LIFE generates positive net income of 136 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2025: 34 k€ -> 136 k€.
Net income (2025)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
136 077 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
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 25%. The balance between equity and debt is satisfactory.
Debt ratio (2025)
?
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 (2025)
?
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
24.859%
Asset age ratio (2025)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2022
2023
2024
2025
Debt ratio
701.943
911.347
160.795
0.0
Financial autonomy
5.625
5.052
16.329
24.859
Repayment capacity
11.46
None
None
None
Cash flow / Revenue
3.135%
None%
None%
None%
Sector positioning
Debt ratio
0.02025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Excellent-50 pts over 3 years
In 2025, the debt ratio of COGEP LIFE (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
24.86%2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Average+8 pts over 3 years
In 2025, the financial autonomy of COGEP LIFE (24.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 53.99. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2025)
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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
53.989
Liquidity indicators evolution COGEP LIFE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2022
2023
2024
2025
Liquidity ratio
56.121
59.632
54.172
53.989
Interest coverage
6.787
None
None
None
Sector positioning
Liquidity ratio
53.992025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Watch
In 2025, the liquidity ratio of COGEP LIFE (53.99) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
Operating WCR (2025)
?
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
0 €
Customer credit (2025)
?
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
0 j
Supplier credit (2025)
?
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
0 j
Inventory turnover (2025)
?
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 and payment terms evolution COGEP LIFE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2022
2023
2024
2025
Operating WCR
139 384 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
Customer payment term (days)
55
0
0
0
Supplier payment term (days)
218
0
0
0
Positioning of COGEP LIFE 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 COGEP LIFE is estimated at
273 878 €
(range 129 549€ - 1 250 498€).
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 value2025
193 transactions
129k€273k€1250k€
273 878 €Range: 129 549€ - 1 250 498€
NAF 5 all-time
Valuation method used
Net Income Multiple
136 077 €
×
2.0x
=273 878 €
Range: 129 550€ - 1 250 499€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 COGEP LIFE with other companies in the same sector:
Yes, COGEP LIFE generated a net profit of 136 k€ in 2025.
Where is the headquarters of COGEP LIFE ?
The headquarters of COGEP LIFE is located in SAINT-DOULCHARD (18230), in the department Cher.
Where to find the tax return of COGEP LIFE ?
The tax return of COGEP LIFE 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 COGEP LIFE operate?
COGEP LIFE 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.
Item evolution
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