SIREN : 402430276
HEOMI is a French company founded 30 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLICHY (92110), this company of category ETI shows in 2024 a revenue of 48.9 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 48 936 893 € | 66 042 830 € | 53 156 259 € | 47 997 646 € | 43 082 133 € | 35 204 461 € | 26 950 144 € | 23 474 274 € | 21 317 395 € |
| Net income | 6 524 924 € | 6 221 063 € | 5 103 196 € | 3 844 253 € | 3 812 685 € | 3 766 498 € | 1 216 672 € | 1 168 208 € | 663 348 € |
| EBITDA | 6 535 037 € | 23 265 720 € | 21 381 568 € | 17 346 203 € | 15 174 926 € | 11 755 000 € | 6 577 710 € | 5 244 392 € | 3 191 761 € |
| Net margin | 13.3% | 9.4% | 9.6% | 8.0% | 8.8% | 10.7% | 4.5% | 5.0% | 3.1% |
In 2024, HEOMI achieves revenue of 48.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.9%. Significant drop of -26% vs 2023. After deducting consumption (0 €), gross margin stands at 48.9 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 6.5 M€, representing 13.4% of revenue. Warning negative scissor effect: despite revenue change (-26%), EBITDA varies by -72%, reducing margin by 21.9 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6.5 M€, i.e. 13.3% of revenue. This profit can be retained or distributed to shareholders.
48 936 893 €
48 936 893 €
6 535 037 €
8 886 684 €
6 524 924 €
13.3%
The debt ratio (= Financial debt / Equity x 100) stands at 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 32%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
34.668%
32.309%
7.475%
1.7
16.1%
In 2024, the debt ratio of HEOMI (34.67) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of HEOMI (32.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of HEOMI (1.70) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 158.07. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 15.7x. Operating income very largely covers interest expenses: high safety margin.
158.073
15.659
In 2024, the liquidity ratio of HEOMI (158.07) 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.
In 2024, the interest coverage of HEOMI (15.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 4 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 231 days. Excellent situation: suppliers finance 227 days of the operating cycle (retail model). Overall, WCR represents 400 days of revenue, i.e. 54.3 M€ to permanently finance. Over 2016-2024, WCR increased by +1736%, requiring additional financing.
54 337 079 €
4 j
231 j
0 j
400 j
Based on 193 transactions of similar company sales (all years), the value of HEOMI is estimated at 21 005 431 € (range 6 286 261€ - 59 008 516€). With an EBITDA of 6 535 037€, 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 HEOMI with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of HEOMI in 2024 is 48.9 M€.
Yes, HEOMI generated a net profit of 6.5 M€ in 2024.
The headquarters of HEOMI is located in CLICHY (92110), in the department Hauts-de-Seine.
The tax return of HEOMI 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).
HEOMI 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.