SIREN : 323127217
DIOT SIACI CREDIT is a French company founded 44 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category ETI shows in 2024 a revenue of 44.2 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 44 186 854 € | 44 206 701 € | 37 966 007 € | 14 730 835 € | 12 382 984 € | 8 165 929 € | 8 639 389 € |
| Net income | 16 606 349 € | 17 597 699 € | 11 271 351 € | 4 352 362 € | 2 583 025 € | 3 099 957 € | 2 681 259 € |
| EBITDA | 21 622 804 € | 20 957 020 € | 15 652 072 € | 6 263 887 € | 4 252 317 € | 1 292 683 € | 3 339 095 € |
| Net margin | 37.6% | 39.8% | 29.7% | 29.5% | 20.9% | 38.0% | 31.0% |
In 2024, DIOT SIACI CREDIT achieves revenue of 44.2 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +26.3%. Slight decline of -0% vs 2023. After deducting consumption (0 €), gross margin stands at 44.2 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 21.6 M€, representing 48.9% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 16.6 M€, i.e. 37.6% of revenue. This profit can be retained or distributed to shareholders.
44 186 854 €
44 186 854 €
21 622 804 €
21 670 905 €
16 606 349 €
48.9%
The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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 69%. 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 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
20.11%
69.05%
38.048%
0.676
18.8%
In 2024, the debt ratio of DIOT SIACI CREDIT (20.11) 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 DIOT SIACI CREDIT (69.0%) 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 DIOT SIACI CREDIT (0.68) 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 275.55. 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 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.
275.546
1.888
In 2024, the liquidity ratio of DIOT SIACI CREDIT (275.55) 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.
In 2024, the interest coverage of DIOT SIACI CREDIT (1.9x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
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: 18 days. Favorable situation: supplier credit is longer than customer credit by 18 days. Overall, WCR represents 125 days of revenue, i.e. 15.4 M€ to permanently finance. Over 2017-2024, WCR increased by +4539%, requiring additional financing.
15 369 072 €
0 j
18 j
0 j
125 j
Based on 193 transactions of similar company sales (all years), the value of DIOT SIACI CREDIT is estimated at 32 796 605 € (range 10 174 392€ - 121 551 377€). With an EBITDA of 21 622 804€, 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 DIOT SIACI CREDIT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of DIOT SIACI CREDIT in 2024 is 44.2 M€.
Yes, DIOT SIACI CREDIT generated a net profit of 16.6 M€ in 2024.
The headquarters of DIOT SIACI CREDIT is located in PARIS (75017), in the department Paris.
The tax return of DIOT SIACI CREDIT 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).
DIOT SIACI CREDIT 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.