SIREN : 350460754
GROUPE ZEPHIR is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHATEAUBRIANT (44110), this company of category ETI shows in 2024 a revenue of 33.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 33 410 316 € | 39 584 467 € | 42 863 361 € | 37 998 601 € | 30 843 698 € | 25 385 117 € | 22 634 136 € | 20 335 439 € |
| Net income | 6 409 439 € | 9 430 390 € | 11 421 843 € | 9 717 500 € | 7 941 529 € | 5 324 253 € | 5 051 429 € | 4 429 122 € |
| EBITDA | 8 979 874 € | 13 475 207 € | 17 542 708 € | 14 928 391 € | 11 913 154 € | 9 311 492 € | 8 634 390 € | 7 329 621 € |
| Net margin | 19.2% | 23.8% | 26.6% | 25.6% | 25.7% | 21.0% | 22.3% | 21.8% |
In 2024, GROUPE ZEPHIR achieves revenue of 33.4 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.4%. Significant drop of -16% vs 2023. After deducting consumption (52 k€), gross margin stands at 33.4 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 9.0 M€, representing 26.9% of revenue. Warning negative scissor effect: despite revenue change (-16%), EBITDA varies by -33%, reducing margin by 7.2 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 6.4 M€, i.e. 19.2% of revenue. This profit can be retained or distributed to shareholders.
33 410 316 €
33 358 267 €
8 979 874 €
7 588 276 €
6 409 439 €
26.9%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 60%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 20.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.431%
59.865%
20.193%
0.012
11.7%
In 2024, the debt ratio of GROUPE ZEPHIR (1.43) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of GROUPE ZEPHIR (59.9%) 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 GROUPE ZEPHIR (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 101.11. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
101.107
0.0
In 2024, the liquidity ratio of GROUPE ZEPHIR (101.11) 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.
In 2024, the interest coverage of GROUPE ZEPHIR (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 41 days of the operating cycle (retail model). WCR is negative (-3 days): operations structurally generate cash. Notable WCR improvement over the period (-136%), freeing up cash.
-296 684 €
2 j
43 j
0 j
-3 j
Based on 193 transactions of similar company sales (all years), the value of GROUPE ZEPHIR is estimated at 17 862 746 € (range 5 370 392€ - 57 839 433€). With an EBITDA of 8 979 874€, 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 GROUPE ZEPHIR with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of GROUPE ZEPHIR in 2024 is 33.4 M€.
Yes, GROUPE ZEPHIR generated a net profit of 6.4 M€ in 2024.
The headquarters of GROUPE ZEPHIR is located in CHATEAUBRIANT (44110), in the department Loire-Atlantique.
The tax return of GROUPE ZEPHIR 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).
GROUPE ZEPHIR 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.