GENERALI GLOBAL PENSION : revenue, balance sheet and financial ratios

GENERALI GLOBAL PENSION is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category GE shows in 2024 a revenue of 4.6 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - GENERALI GLOBAL PENSION (SIREN 844856260)
Indicator 2024 2023 2022 2021 2020 2019 2018
Revenue 4 596 130 € 4 517 422 € 4 557 962 € 4 589 333 € 4 279 773 € N/C N/C
Net income 365 806 € 4 314 € 287 736 € 1 063 467 € 1 690 140 € -1 876 370 € -3 120 €
EBITDA 489 132 € 371 262 € 606 866 € 1 229 606 € 2 076 111 € -1 847 777 € -3 120 €
Net margin 8.0% 0.1% 6.3% 23.2% 39.5% N/C N/C

Revenue and income statement

In 2024, GENERALI GLOBAL PENSION achieves revenue of 4.6 M€. Revenue is growing positively over 7 years (CAGR: +1.8%). Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 4.6 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 489 k€, representing 10.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 366 k€, i.e. 8.0% 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

4 596 130 €

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

4 596 130 €

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

489 132 €

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

488 450 €

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

365 806 €

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

10.6%

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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 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 8.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

83.361%

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

7.973%

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
GENERALI GLOBAL PENSION

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.43
Excellent -10 pts over 3 years

In 2024, the debt ratio of GENERALI GLOBAL PENSION (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
83.36% 2024
2022
2023
2024
Q1: 12.99%
Med: 47.62%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of GENERALI GLOBAL PENSION (83.4%) 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: 1.72 years
Excellent -34 pts over 3 years

In 2024, the repayment capacity of GENERALI GLOBAL PENSION (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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 6.6x. Operating income very largely covers interest expenses: high safety margin.

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

0.0

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

6.641

Liquidity indicators evolution
GENERALI GLOBAL PENSION

Sector positioning

Liquidity ratio
0.0 2024
2022
2023
2024
Q1: 123.97
Med: 243.45
Q3: 572.29
Watch -52 pts over 3 years

In 2024, the liquidity ratio of GENERALI GLOBAL PENSION (0.00) 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
6.64x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.22x
Excellent

In 2024, the interest coverage of GENERALI GLOBAL PENSION (6.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). WCR is negative (-105 days): operations structurally generate 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

-1 340 921 €

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

0 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

54 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

-105 j

WCR and payment terms evolution
GENERALI GLOBAL PENSION

Positioning of GENERALI GLOBAL PENSION 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 GENERALI GLOBAL PENSION is estimated at 1 797 944 € (range 523 883€ - 4 702 967€). With an EBITDA of 489 132€, 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
523k€ 1797k€ 4702k€
1 797 944 € Range: 523 883€ - 4 702 967€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
489 132 € × 1.2x
Estimation 592 169 €
152 951€ - 3 022 604€
Revenue Multiple 30%
4 596 130 € × 0.98x
Estimation 4 515 368 €
1 259 186€ - 8 397 801€
Net Income Multiple 20%
365 806 € × 2.0x
Estimation 736 247 €
348 259€ - 3 361 626€

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 GENERALI GLOBAL PENSION with other companies in the same sector:

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

Frequently asked questions about GENERALI GLOBAL PENSION

What is the revenue of GENERALI GLOBAL PENSION ?

The revenue of GENERALI GLOBAL PENSION in 2024 is 4.6 M€.

Is GENERALI GLOBAL PENSION profitable?

Yes, GENERALI GLOBAL PENSION generated a net profit of 366 k€ in 2024.

Where is the headquarters of GENERALI GLOBAL PENSION ?

The headquarters of GENERALI GLOBAL PENSION is located in PARIS (75009), in the department Paris.

Where to find the tax return of GENERALI GLOBAL PENSION ?

The tax return of GENERALI GLOBAL PENSION 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 GENERALI GLOBAL PENSION operate?

GENERALI GLOBAL PENSION 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.