GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE : revenue, balance sheet and financial ratios

GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE is a French company founded 40 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PUTEAUX (92800), this company of category GE shows in 2024 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE (SIREN 335117685)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 284 018 € 2 912 784 € 5 180 267 € 21 674 520 € 35 933 549 € 36 912 083 € 35 294 397 € 35 252 604 € 34 523 951 €
Net income 758 126 € 1 876 382 € 3 525 905 € 15 232 629 € 24 867 111 € 24 431 695 € 22 564 415 € 22 483 351 € 22 131 418 €
EBITDA 1 022 042 € 2 529 716 € 4 752 465 € 20 959 148 € 34 989 634 € 36 028 285 € 34 489 272 € 34 353 387 € 33 599 278 €
Net margin 59.0% 64.4% 68.1% 70.3% 69.2% 66.2% 63.9% 63.8% 64.1%

Revenue and income statement

In 2024, GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE achieves revenue of 1.3 M€. Revenue is declining over the period 2016-2024 (CAGR: -33.7%). Significant drop of -56% vs 2023. After deducting consumption (0 €), gross margin stands at 1.3 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 1.0 M€, representing 79.6% of revenue. Warning negative scissor effect: despite revenue change (-56%), EBITDA varies by -60%, reducing margin by 7.3 pts. This reflects costs rising faster than 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 758 k€, i.e. 59.0% 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

1 284 018 €

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

1 284 018 €

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

1 022 042 €

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

1 022 131 €

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

758 126 €

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

79.6%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 83%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 59.0% 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

0.0%

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

83.189%

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

59.043%

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

0.0

Solvency indicators evolution
GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent

In 2024, the debt ratio of GENECAR - SOCIETE GENERAL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
83.19% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of GENECAR - SOCIETE GENERAL... (83.2%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of GENECAR - SOCIETE GENERAL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 593.73. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

593.734

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

0.0

Liquidity indicators evolution
GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE

Sector positioning

Liquidity ratio
593.73 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent +13 pts over 3 years

In 2024, the liquidity ratio of GENECAR - SOCIETE GENERAL... (593.73) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of GENECAR - SOCIETE GENERAL... (0.0x) 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: 148 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 215 days. Excellent situation: suppliers finance 67 days of the operating cycle (retail model). Overall, WCR represents 107 days of revenue, i.e. 380 k€ to permanently finance. Over 2016-2024, WCR increased by +108%, requiring additional financing.

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

380 108 €

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

148 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

215 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

107 j

WCR and payment terms evolution
GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE

Positioning of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE 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 GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE is estimated at 1 302 277 € (range 409 681€ - 5 255 075€). With an EBITDA of 1 022 042€, 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
409k€ 1302k€ 5255k€
1 302 277 € Range: 409 681€ - 5 255 075€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 022 042 € × 1.2x
Estimation 1 237 339 €
319 592€ - 6 315 736€
Revenue Multiple 30%
1 284 018 € × 0.98x
Estimation 1 261 455 €
351 778€ - 2 346 088€
Net Income Multiple 20%
758 126 € × 2.0x
Estimation 1 525 857 €
721 760€ - 6 966 906€

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 GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE with other companies in the same sector:

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

Frequently asked questions about GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE

What is the revenue of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE ?

The revenue of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE in 2024 is 1.3 M€.

Is GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE profitable?

Yes, GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE generated a net profit of 758 k€ in 2024.

Where is the headquarters of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE ?

The headquarters of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE is located in PUTEAUX (92800), in the department Hauts-de-Seine.

Where to find the tax return of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE ?

The tax return of GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE 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 GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE operate?

GENECAR - SOCIETE GENERALE DE COURTAGE D'ASSURANCES ET DE REASSURANCE 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.