SIREN : 801745340
CPG ASSURANCES is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VIENNE (38200), this company of category PME shows in 2024 a revenue of 948 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 947 716 € | 800 096 € | 712 800 € | 654 020 € | 569 520 € | 502 841 € | 420 756 € | 354 392 € | 199 011 € | 135 466 € |
| Net income | 162 000 € | 105 227 € | -13 337 € | 14 188 € | 24 019 € | 16 679 € | 15 184 € | 13 918 € | 12 648 € | 0 € |
| EBITDA | 240 313 € | 105 893 € | -17 524 € | 27 505 € | 18 703 € | 77 674 € | 70 134 € | 62 351 € | 23 918 € | -84 600 € |
| Net margin | 17.1% | 13.2% | -1.9% | 2.2% | 4.2% | 3.3% | 3.6% | 3.9% | 6.4% | 0.0% |
In 2024, CPG ASSURANCES achieves revenue of 948 k€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +24.1%. Vs 2023, growth of +18% (800 k€ -> 948 k€). After deducting consumption (0 €), gross margin stands at 948 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 240 k€, representing 25.4% of revenue. Positive scissor effect: EBITDA margin improves by +12.1 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 162 k€, i.e. 17.1% of revenue. This profit can be retained or distributed to shareholders.
947 716 €
947 716 €
240 313 €
217 259 €
162 000 €
25.2%
The debt ratio (= Financial debt / Equity x 100) stands at 49%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 48%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 19.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
49.338%
47.618%
19.574%
0.822
69.3%
In 2024, the debt ratio of CPG ASSURANCES (49.34) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of CPG ASSURANCES (47.6%) 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.
In 2024, the repayment capacity of CPG ASSURANCES (0.82) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 72.52. 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 2.3x. Financial charges are adequately covered by operations.
72.523
2.327
In 2024, the liquidity ratio of CPG ASSURANCES (72.52) 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.
In 2024, the interest coverage of CPG ASSURANCES (2.3x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 4 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. Favorable situation: supplier credit is longer than customer credit by 29 days. WCR is negative (-19 days): operations structurally generate cash. Notable WCR improvement over the period (-423%), freeing up cash.
-49 092 €
4 j
33 j
0 j
-19 j
Based on 193 transactions of similar company sales (all years), the value of CPG ASSURANCES is estimated at 489 997 € (range 146 311€ - 1 559 739€). With an EBITDA of 240 313€, 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 CPG ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CPG ASSURANCES in 2024 is 948 k€.
Yes, CPG ASSURANCES generated a net profit of 162 k€ in 2024.
The headquarters of CPG ASSURANCES is located in VIENNE (38200), in the department Isere.
The tax return of CPG ASSURANCES 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).
CPG ASSURANCES 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.