COHEN ET ASSOCIES : revenue, balance sheet and financial ratios

COHEN ET ASSOCIES is a French company founded 27 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-GERMAIN-EN-LAYE (78100), this company of category PME shows in 2022 a revenue of 1.7 M€. 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

Financial history - COHEN ET ASSOCIES (SIREN 419366851)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue N/C N/C 1 682 994 € 1 377 867 € 1 434 930 € 1 515 762 € 1 594 001 € 1 302 613 €
Net income 697 127 € 673 128 € 869 003 € 589 668 € 803 090 € 196 677 € 246 114 € 98 951 €
EBITDA N/C N/C 1 169 540 € 982 498 € 1 085 218 € 289 745 € 356 858 € 179 477 €
Net margin N/C N/C 51.6% 42.8% 56.0% 13.0% 15.4% 7.6%

Revenue and income statement

In 2024, COHEN ET ASSOCIES generates positive net income of 697 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2024: 99 k€ -> 697 k€.

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

697 127 €

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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 12%. 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 75%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

11.812%

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

75.449%

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

35.0%

Solvency indicators evolution
COHEN ET ASSOCIES

Sector positioning

Debt ratio
11.81 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average +27 pts over 3 years

In 2024, the debt ratio of COHEN ET ASSOCIES (11.81) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
75.45% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good

In 2024, the financial autonomy of COHEN ET ASSOCIES (75.5%) 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
0.01 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Good

In 2022, the repayment capacity of COHEN ET ASSOCIES (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 390.65. 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

390.654

Liquidity indicators evolution
COHEN ET ASSOCIES

Sector positioning

Liquidity ratio
390.65 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good -14 pts over 3 years

In 2024, the liquidity ratio of COHEN ET ASSOCIES (390.65) 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.

Interest coverage
0.0x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Average

In 2022, the interest coverage of COHEN ET ASSOCIES (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.

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

0 €

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

0 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

0 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 and payment terms evolution
COHEN ET ASSOCIES

Positioning of COHEN ET ASSOCIES 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 COHEN ET ASSOCIES is estimated at 1 403 086 € (range 663 686€ - 6 406 347€). 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
663k€ 1403k€ 6406k€
1 403 086 € Range: 663 686€ - 6 406 347€
NAF 5 all-time

Valuation method used

Net Income Multiple
697 127 € × 2.0x = 1 403 086 €
Range: 663 687€ - 6 406 347€

Only this financial indicator is available for this company.

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 COHEN ET ASSOCIES with other companies in the same sector:

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

Frequently asked questions about COHEN ET ASSOCIES

What is the revenue of COHEN ET ASSOCIES ?

The revenue of COHEN ET ASSOCIES in 2022 is 1.7 M€.

Is COHEN ET ASSOCIES profitable?

Yes, COHEN ET ASSOCIES generated a net profit of 697 k€ in 2024.

Where is the headquarters of COHEN ET ASSOCIES ?

The headquarters of COHEN ET ASSOCIES is located in SAINT-GERMAIN-EN-LAYE (78100), in the department Yvelines.

Where to find the tax return of COHEN ET ASSOCIES ?

The tax return of COHEN ET ASSOCIES 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 COHEN ET ASSOCIES operate?

COHEN ET ASSOCIES 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.