GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE : revenue, balance sheet and financial ratios

GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ENGHIEN LES BAINS (95880), this company of category PME shows in 2024 a revenue of 228 k€. 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 - GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE (SIREN 435324926)
Indicator 2024 2022 2021 2020
Revenue 227 845 € 176 346 € 184 816 € 155 888 €
Net income -19 687 € -27 119 € -77 414 € -10 108 €
EBITDA -2 734 € -22 855 € -75 188 € -7 070 €
Net margin -8.6% -15.4% -41.9% -6.5%

Revenue and income statement

In 2024, GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE achieves revenue of 228 k€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.0%. Vs 2022, growth of +29% (176 k€ -> 228 k€). After deducting consumption (0 €), gross margin stands at 228 k€, 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 k€, representing -1.2% of revenue. Positive scissor effect: EBITDA margin improves by +11.8 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -20 k€ (-8.6% of revenue), which will impact equity.

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

227 845 €

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

227 845 €

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

-2 734 €

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

-11 059 €

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

-19 687 €

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

-1.2%

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 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

20.379%

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

8.748%

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

-4.986%

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

-0.01

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

3.6%

Solvency indicators evolution
GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE

Sector positioning

Debt ratio
20.38 2024
2021
2022
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +26 pts over 3 years

In 2024, the debt ratio of GIEAF GROUPEMENT INTERPRO... (20.38) 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
8.75% 2024
2021
2022
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of GIEAF GROUPEMENT INTERPRO... (8.8%) 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
-0.01 years 2024
2021
2022
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of GIEAF GROUPEMENT INTERPRO... (-0.01) 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 172.73. 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

172.731

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

-0.073

Liquidity indicators evolution
GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE

Sector positioning

Liquidity ratio
172.73 2024
2021
2022
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -21 pts over 3 years

In 2024, the liquidity ratio of GIEAF GROUPEMENT INTERPRO... (172.73) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-0.07x 2024
2021
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of GIEAF GROUPEMENT INTERPRO... (-0.1x) 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: 165 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 153 days. The company must finance 12 days of gap between collections and payments. WCR is negative (-0 days): operations structurally generate cash. Notable WCR improvement over the period (-100%), 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

-169 €

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

165 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

153 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

0 j

WCR and payment terms evolution
GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE

Positioning of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE 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 GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE is estimated at 223 841 € (range 62 421€ - 416 306€). 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
62k€ 223k€ 416k€
223 841 € Range: 62 421€ - 416 306€
NAF 5 all-time

Valuation method used

Revenue Multiple
227 845 € × 0.98x = 223 841 €
Range: 62 422€ - 416 306€

Only this financial indicator is available for this company.

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 GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE with other companies in the same sector:

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

Frequently asked questions about GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE

What is the revenue of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE ?

The revenue of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE in 2024 is 228 k€.

Is GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE profitable?

GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE recorded a net loss in 2024.

Where is the headquarters of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE ?

The headquarters of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE is located in ENGHIEN LES BAINS (95880), in the department Val-d'Oise.

Where to find the tax return of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE ?

The tax return of GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE 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 GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE operate?

GIEAF GROUPEMENT INTERPROFESSIONNEL EUROPEEN ASSURANCES FRANCHISE 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.