SIREN : 330942053
KEREIS EXPERTISES is a French company founded 41 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LA MADELEINE (59110), this company of category ETI shows in 2024 a revenue of 8.5 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 8 454 147 € | 4 485 379 € | 3 427 090 € | 3 377 735 € | N/C | N/C | N/C | 3 587 026 € |
| Net income | 538 286 € | -217 771 € | -225 590 € | 456 766 € | 219 994 € | 429 794 € | 392 130 € | 339 275 € |
| EBITDA | 2 038 811 € | 430 160 € | 117 299 € | 623 788 € | N/C | N/C | N/C | 536 789 € |
| Net margin | 6.4% | -4.9% | -6.6% | 13.5% | N/C | N/C | N/C | 9.5% |
In 2024, KEREIS EXPERTISES achieves revenue of 8.5 M€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.0%. Vs 2023, growth of +88% (4.5 M€ -> 8.5 M€). After deducting consumption (0 €), gross margin stands at 8.5 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 2.0 M€, representing 24.1% of revenue. Positive scissor effect: EBITDA margin improves by +14.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 538 k€, i.e. 6.4% of revenue. This profit can be retained or distributed to shareholders.
8 454 147 €
8 454 147 €
2 038 811 €
2 014 259 €
538 286 €
24.1%
The debt ratio (= Financial debt / Equity x 100) stands at 141%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 29.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 6.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
140.731%
38.154%
6.51%
29.728
70.5%
In 2024, the debt ratio of KEREIS EXPERTISES (140.73) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of KEREIS EXPERTISES (38.1%) 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 KEREIS EXPERTISES (29.73) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 153.22. 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 65.4x. Operating income very largely covers interest expenses: high safety margin.
153.218
65.378
In 2024, the liquidity ratio of KEREIS EXPERTISES (153.22) 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 KEREIS EXPERTISES (65.4x) 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: 89 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 51 days. The gap of 38 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 46 days of revenue, i.e. 1.1 M€ to permanently finance.
1 088 302 €
89 j
51 j
0 j
46 j
Based on 193 transactions of similar company sales (all years), the value of KEREIS EXPERTISES is estimated at 3 942 503 € (range 1 116 107€ - 11 922 863€). With an EBITDA of 2 038 811€, 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 KEREIS EXPERTISES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of KEREIS EXPERTISES in 2024 is 8.5 M€.
Yes, KEREIS EXPERTISES generated a net profit of 538 k€ in 2024.
The headquarters of KEREIS EXPERTISES is located in LA MADELEINE (59110), in the department Nord.
The tax return of KEREIS EXPERTISES 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).
KEREIS EXPERTISES 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.