DIOT-SIACI CENTRE RHONE-ALPES : revenue, balance sheet and financial ratios

DIOT-SIACI CENTRE RHONE-ALPES is a French company founded 28 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69009), this company of category ETI shows in 2024 a revenue of 20.7 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 - DIOT-SIACI CENTRE RHONE-ALPES (SIREN 413663337)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 20 667 085 € 18 784 070 € 16 481 940 € 16 080 320 € 10 446 766 € 5 221 883 € 3 654 042 € 3 775 174 €
Net income 3 041 039 € 2 332 056 € 1 728 517 € 1 310 026 € 100 920 € -293 520 € 120 179 € 279 969 €
EBITDA 3 366 991 € 2 672 761 € 1 708 038 € 2 299 538 € 838 031 € -171 425 € 183 597 € 402 365 €
Net margin 14.7% 12.4% 10.5% 8.1% 1.0% -5.6% 3.3% 7.4%

Revenue and income statement

In 2024, DIOT-SIACI CENTRE RHONE-ALPES achieves revenue of 20.7 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +27.5%. Vs 2023, growth of +10% (18.8 M€ -> 20.7 M€). After deducting consumption (0 €), gross margin stands at 20.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 3.4 M€, representing 16.3% of revenue. Positive scissor effect: EBITDA margin improves by +2.1 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 3.0 M€, i.e. 14.7% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

20 667 085 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

20 667 085 €

EBITDA (2024) ?
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

3 366 991 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

3 461 195 €

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

3 041 039 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

16.3%

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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 39%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

38.52%

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

36.251%

Cash flow / Revenue (2024) ?
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

12.911%

Repayment capacity (2024) ?
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

2.007

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

17.3%

Solvency indicators evolution
DIOT-SIACI CENTRE RHONE-ALPES

Sector positioning

Debt ratio
38.52 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average -6 pts over 3 years

In 2024, the debt ratio of DIOT-SIACI CENTRE RHONE-A... (38.52) 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
36.25% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average +11 pts over 3 years

In 2024, the financial autonomy of DIOT-SIACI CENTRE RHONE-A... (36.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.01 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of DIOT-SIACI CENTRE RHONE-A... (2.01) 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 112.07. 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 3.1x. Financial charges are adequately covered by operations.

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

112.066

Interest coverage (2024) ?
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

3.099

Liquidity indicators evolution
DIOT-SIACI CENTRE RHONE-ALPES

Sector positioning

Liquidity ratio
112.07 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Watch

In 2024, the liquidity ratio of DIOT-SIACI CENTRE RHONE-A... (112.07) 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.

Interest coverage
3.1x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Excellent

In 2024, the interest coverage of DIOT-SIACI CENTRE RHONE-A... (3.1x) 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: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. Favorable situation: supplier credit is longer than customer credit by 22 days. WCR is negative (-217 days): operations structurally generate cash. Notable WCR improvement over the period (-3845%), freeing up cash.

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

-12 480 233 €

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

3 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

25 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 in days of revenue (2024) ?
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

-217 j

WCR and payment terms evolution
DIOT-SIACI CENTRE RHONE-ALPES

Positioning of DIOT-SIACI CENTRE RHONE-ALPES 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 DIOT-SIACI CENTRE RHONE-ALPES is estimated at 9 353 429 € (range 2 804 089€ - 27 320 952€). With an EBITDA of 3 366 991€, 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 2024
193 transactions
2804k€ 9353k€ 27320k€
9 353 429 € Range: 2 804 089€ - 27 320 952€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
3 366 991 € × 1.2x
Estimation 4 076 260 €
1 052 857€ - 20 806 411€
Revenue Multiple 30%
20 667 085 € × 0.98x
Estimation 20 303 927 €
5 662 092€ - 37 761 783€
Net Income Multiple 20%
3 041 039 € × 2.0x
Estimation 6 120 606 €
2 895 165€ - 27 946 059€

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 DIOT-SIACI CENTRE RHONE-ALPES with other companies in the same sector:

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

Frequently asked questions about DIOT-SIACI CENTRE RHONE-ALPES

What is the revenue of DIOT-SIACI CENTRE RHONE-ALPES ?

The revenue of DIOT-SIACI CENTRE RHONE-ALPES in 2024 is 20.7 M€.

Is DIOT-SIACI CENTRE RHONE-ALPES profitable?

Yes, DIOT-SIACI CENTRE RHONE-ALPES generated a net profit of 3.0 M€ in 2024.

Where is the headquarters of DIOT-SIACI CENTRE RHONE-ALPES ?

The headquarters of DIOT-SIACI CENTRE RHONE-ALPES is located in LYON (69009), in the department Rhone.

Where to find the tax return of DIOT-SIACI CENTRE RHONE-ALPES ?

The tax return of DIOT-SIACI CENTRE RHONE-ALPES 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 DIOT-SIACI CENTRE RHONE-ALPES operate?

DIOT-SIACI CENTRE RHONE-ALPES 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.