GESTION ETUDE PLACEMENT CREDIT ASSURANCE is a French company
founded 42 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LYON (69004),
this company of category PME
shows in 2020 a revenue of 870 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - GESTION ETUDE PLACEMENT CREDIT ASSURANCE (SIREN 328835780)
Indicator
2024
2023
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
870 025 €
893 945 €
N/C
N/C
N/C
Net income
259 952 €
266 510 €
138 524 €
131 718 €
146 044 €
139 546 €
198 047 €
237 776 €
EBITDA
N/C
N/C
N/C
219 631 €
222 326 €
N/C
N/C
N/C
Net margin
N/C
N/C
N/C
15.1%
16.3%
N/C
N/C
N/C
Revenue and income statement
In 2024, GESTION ETUDE PLACEMENT CREDIT ASSURANCE generates positive net income of 260 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 238 k€ -> 260 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
259 952 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 73%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
4.241%
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
73.429%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2023
2024
Debt ratio
41.398
35.537
25.356
21.402
42.31
30.632
12.078
4.241
Financial autonomy
53.555
54.98
61.17
63.792
54.578
57.064
62.076
73.429
Repayment capacity
None
None
None
0.906
1.947
None
None
None
Cash flow / Revenue
None%
None%
None%
21.616%
22.103%
None%
None%
None%
Sector positioning
Debt ratio
4.242024
2021
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good-19 pts over 3 years
In 2024, the debt ratio of GESTION ETUDE PLACEMENT C... (4.24) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
73.43%2024
2021
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good+12 pts over 3 years
In 2024, the financial autonomy of GESTION ETUDE PLACEMENT C... (73.4%) 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.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 312.84. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2023
2024
Liquidity ratio
275.615
255.985
313.443
332.101
375.164
341.223
332.31
312.842
Interest coverage
None
None
None
0.466
0.565
None
None
None
Sector positioning
Liquidity ratio
312.842024
2021
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good-6 pts over 3 years
In 2024, the liquidity ratio of GESTION ETUDE PLACEMENT C... (312.84) 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.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
Operating WCR (2024)
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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 (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
0 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 and payment terms evolution GESTION ETUDE PLACEMENT CREDIT ASSURANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2023
2024
Operating WCR
0 €
0 €
0 €
-179 147 €
-274 667 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
Customer payment term (days)
0
0
0
0
0
0
0
0
Supplier payment term (days)
0
0
0
17
4
0
0
0
Positioning of GESTION ETUDE PLACEMENT CREDIT ASSURANCE 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 GESTION ETUDE PLACEMENT CREDIT ASSURANCE is estimated at
523 197 €
(range 247 482€ - 2 388 865€).
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 value2024
193 transactions
247k€523k€2388k€
523 197 €Range: 247 482€ - 2 388 865€
NAF 5 all-time
Valuation method used
Net Income Multiple
259 952 €
×
2.0x
=523 197 €
Range: 247 482€ - 2 388 866€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 GESTION ETUDE PLACEMENT CREDIT ASSURANCE with other companies in the same sector:
Frequently asked questions about GESTION ETUDE PLACEMENT CREDIT ASSURANCE
What is the revenue of GESTION ETUDE PLACEMENT CREDIT ASSURANCE ?
The revenue of GESTION ETUDE PLACEMENT CREDIT ASSURANCE in 2020 is 870 k€.
Is GESTION ETUDE PLACEMENT CREDIT ASSURANCE profitable?
Yes, GESTION ETUDE PLACEMENT CREDIT ASSURANCE generated a net profit of 260 k€ in 2024.
Where is the headquarters of GESTION ETUDE PLACEMENT CREDIT ASSURANCE ?
The headquarters of GESTION ETUDE PLACEMENT CREDIT ASSURANCE is located in LYON (69004), in the department Rhone.
Where to find the tax return of GESTION ETUDE PLACEMENT CREDIT ASSURANCE ?
The tax return of GESTION ETUDE PLACEMENT CREDIT ASSURANCE 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 GESTION ETUDE PLACEMENT CREDIT ASSURANCE operate?
GESTION ETUDE PLACEMENT CREDIT ASSURANCE 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.
Item evolution
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