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CREDIT AGRICOLE ASSURANCES : revenue, balance sheet and financial ratios

CREDIT AGRICOLE ASSURANCES is a French company founded 22 years ago, specialized in the sector Activités des sièges sociaux. Based in PARIS (75015), this company of category GE shows in 2017 a revenue of 30.0 M€. 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

Financial history - CREDIT AGRICOLE ASSURANCES (SIREN 451746077)
Indicator 2023 2021 2020 2018 2017 2016
Revenue N/C N/C N/C N/C 30 000 000 € N/C
Net income 1 249 000 000 € 1 049 000 000 € 1 127 000 000 € 1 592 000 000 € 730 000 000 € 1 019 €
EBITDA -66 000 000 € -68 000 000 € -73 000 000 € -4 000 000 € -61 000 000 € N/C
Net margin N/C N/C N/C N/C 2433.3% N/C

Revenue and income statement

In 2023, CREDIT AGRICOLE ASSURANCES generates positive net income of 1.2 Bn€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2023: 1 k€ -> 1.2 Bn€.

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

-66 000 000 €

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

-68 000 000 €

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

1 249 000 000 €

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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 19%. 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 55%. 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 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

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

19.467%

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

54.918%

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

1.557

Solvency indicators evolution
CREDIT AGRICOLE ASSURANCES

Sector positioning

Debt ratio
19.47 2023
2020
2021
2023
Q1: 0.15
Med: 18.7
Q3: 101.8
Average +13 pts over 3 years

In 2023, the debt ratio of CREDIT AGRICOLE ASSURANCES (19.47) 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
54.92% 2023
2020
2021
2023
Q1: 13.7%
Med: 51.31%
Q3: 84.16%
Good -7 pts over 3 years

In 2023, the financial autonomy of CREDIT AGRICOLE ASSURANCES (54.9%) 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
1.56 years 2023
2020
2021
2023
Q1: 0.0 years
Med: 0.21 years
Q3: 3.84 years
Average

In 2023, the repayment capacity of CREDIT AGRICOLE ASSURANCES (1.56) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 883.75. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

883.75

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

-550.0

Liquidity indicators evolution
CREDIT AGRICOLE ASSURANCES

Sector positioning

Liquidity ratio
883.75 2023
2020
2021
2023
Q1: 110.28
Med: 414.47
Q3: 1925.09
Good +33 pts over 3 years

In 2023, the liquidity ratio of CREDIT AGRICOLE ASSURANCES (883.75) 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
-550.0x 2023
2020
2021
2023
Q1: -38.49x
Med: 0.0x
Q3: 2.71x
Average

In 2023, the interest coverage of CREDIT AGRICOLE ASSURANCES (-550.0x) 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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 74 days. Excellent situation: suppliers finance 74 days of the operating cycle (retail model).

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

0 €

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

0 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

74 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 and payment terms evolution
CREDIT AGRICOLE ASSURANCES

Positioning of CREDIT AGRICOLE ASSURANCES in its sector

Comparison with sector Activités des sièges sociaux

Valuation estimate

Based on 89 transactions of similar company sales in 2023, the value of CREDIT AGRICOLE ASSURANCES is estimated at 8 411 583 605 € (range 4 007 183 832€ - 19 393 979 725€). 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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
89 tx
4007183k€ 8411583k€ 19393979k€
8 411 583 605 € Range: 4 007 183 832€ - 19 393 979 725€
NAF 5 année 2023

Valuation method used

Net Income Multiple
1 249 000 000 € × 6.7x = 8 411 583 606 €
Range: 4 007 183 833€ - 19 393 979 725€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 89 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 sièges sociaux)

Compare CREDIT AGRICOLE ASSURANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sièges sociaux

Frequently asked questions about CREDIT AGRICOLE ASSURANCES

What is the revenue of CREDIT AGRICOLE ASSURANCES ?

The revenue of CREDIT AGRICOLE ASSURANCES in 2017 is 30.0 M€.

Is CREDIT AGRICOLE ASSURANCES profitable?

Yes, CREDIT AGRICOLE ASSURANCES generated a net profit of 1.2 Mds€ in 2023.

Where is the headquarters of CREDIT AGRICOLE ASSURANCES ?

The headquarters of CREDIT AGRICOLE ASSURANCES is located in PARIS (75015), in the department Paris.

Where to find the tax return of CREDIT AGRICOLE ASSURANCES ?

The tax return of CREDIT AGRICOLE 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).

In which sector does CREDIT AGRICOLE ASSURANCES operate?

CREDIT AGRICOLE ASSURANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.