COMPTOIR D'ASSURANCES GENERALES : revenue, balance sheet and financial ratios

COMPTOIR D'ASSURANCES GENERALES is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MULHOUSE (68100), this company of category PME shows in 2023 a revenue of 894 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - COMPTOIR D'ASSURANCES GENERALES (SIREN 809331234)
Indicator 2023 2021 2020 2019 2018 2017 2016 2015
Revenue 893 511 € 1 829 454 € 1 929 259 € 1 887 351 € 1 762 447 € 1 739 787 € 1 785 773 € 1 440 600 €
Net income 3 470 € 409 358 € 351 920 € 243 308 € 209 408 € 209 976 € 278 967 € 248 486 €
EBITDA 36 692 € 534 381 € 517 639 € 410 010 € 344 465 € 329 175 € 323 281 € 338 211 €
Net margin 0.4% 22.4% 18.2% 12.9% 11.9% 12.1% 15.6% 17.2%

Revenue and income statement

In 2023, COMPTOIR D'ASSURANCES GENERALES achieves revenue of 894 k€. Revenue is declining over the period 2015-2023 (CAGR: -5.8%). Significant drop of -51% vs 2021. After deducting consumption (0 €), gross margin stands at 894 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 37 k€, representing 4.1% of revenue. Warning negative scissor effect: despite revenue change (-51%), EBITDA varies by -93%, reducing margin by 25.1 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3 k€, i.e. 0.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

893 511 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

893 511 €

EBITDA (2023) ?
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

36 692 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

27 957 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

3 470 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

4.1%

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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 14%. 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 80%. 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 7.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

14.458%

Financial autonomy (2023) ?
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

79.526%

Cash flow / Revenue (2023) ?
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

2.832%

Repayment capacity (2023) ?
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

7.876

Asset age ratio (2023) ?
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

49.3%

Solvency indicators evolution
COMPTOIR D'ASSURANCES GENERALES

Sector positioning

Debt ratio
14.46 2023
2020
2021
2023
Q1: 0.0
Med: 8.56
Q3: 49.2
Average -21 pts over 3 years

In 2023, the debt ratio of COMPTOIR D'ASSURANCES GEN... (14.46) 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
79.53% 2023
2020
2021
2023
Q1: 14.07%
Med: 47.29%
Q3: 74.24%
Excellent +26 pts over 3 years

In 2023, the financial autonomy of COMPTOIR D'ASSURANCES GEN... (79.5%) 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.

Repayment capacity
7.88 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Watch

In 2023, the repayment capacity of COMPTOIR D'ASSURANCES GEN... (7.88) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 149.98. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 95.8x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

149.978

Interest coverage (2023) ?
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

95.811

Liquidity indicators evolution
COMPTOIR D'ASSURANCES GENERALES

Sector positioning

Liquidity ratio
149.98 2023
2020
2021
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Average -15 pts over 3 years

In 2023, the liquidity ratio of COMPTOIR D'ASSURANCES GEN... (149.98) 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
95.81x 2023
2020
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent

In 2023, the interest coverage of COMPTOIR D'ASSURANCES GEN... (95.8x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 7 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 86 days. Excellent situation: suppliers finance 79 days of the operating cycle (retail model). Overall, WCR represents 56 days of revenue, i.e. 138 k€ to permanently finance. Over 2015-2023, WCR increased by +124%, requiring additional financing.

Operating WCR (2023) ?
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

137 887 €

Customer credit (2023) ?
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

7 j

Supplier credit (2023) ?
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

86 j

Inventory turnover (2023) ?
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 (2023) ?
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

56 j

WCR and payment terms evolution
COMPTOIR D'ASSURANCES GENERALES

Positioning of COMPTOIR D'ASSURANCES GENERALES 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 COMPTOIR D'ASSURANCES GENERALES is estimated at 286 950 € (range 79 835€ - 609 519€). With an EBITDA of 36 692€, 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 2023
193 transactions
79k€ 286k€ 609k€
286 950 € Range: 79 835€ - 609 519€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
36 692 € × 1.2x
Estimation 44 421 €
11 474€ - 226 739€
Revenue Multiple 30%
893 511 € × 0.98x
Estimation 877 810 €
244 792€ - 1 632 575€
Net Income Multiple 20%
3 470 € × 2.0x
Estimation 6 984 €
3 304€ - 31 888€

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 COMPTOIR D'ASSURANCES GENERALES with other companies in the same sector:

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

Frequently asked questions about COMPTOIR D'ASSURANCES GENERALES

What is the revenue of COMPTOIR D'ASSURANCES GENERALES ?

The revenue of COMPTOIR D'ASSURANCES GENERALES in 2023 is 894 k€.

Is COMPTOIR D'ASSURANCES GENERALES profitable?

Yes, COMPTOIR D'ASSURANCES GENERALES generated a net profit of 3 k€ in 2023.

Where is the headquarters of COMPTOIR D'ASSURANCES GENERALES ?

The headquarters of COMPTOIR D'ASSURANCES GENERALES is located in MULHOUSE (68100), in the department Haut-Rhin.

Where to find the tax return of COMPTOIR D'ASSURANCES GENERALES ?

The tax return of COMPTOIR D'ASSURANCES GENERALES 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 COMPTOIR D'ASSURANCES GENERALES operate?

COMPTOIR D'ASSURANCES GENERALES 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.