SIREN : 384956884
LAPLACE is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTPELLIER (34080), this company of category ETI shows in 2024 a revenue of 80.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 80 877 594 € | 70 508 550 € | 16 716 210 € | 16 574 427 € | 14 846 939 € | 14 639 715 € | 12 603 496 € | 11 138 622 € | 7 080 278 € |
| Net income | 6 772 823 € | 7 629 412 € | 3 551 323 € | -1 094 756 € | -84 483 € | 2 560 841 € | 2 089 803 € | 1 648 968 € | 576 049 € |
| EBITDA | 22 328 055 € | 16 587 931 € | 4 042 623 € | -3 862 034 € | 2 136 812 € | 1 791 770 € | 623 969 € | 276 401 € | -783 427 € |
| Net margin | 8.4% | 10.8% | 21.2% | -6.6% | -0.6% | 17.5% | 16.6% | 14.8% | 8.1% |
In 2024, LAPLACE achieves revenue of 80.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +35.6%. Vs 2023, growth of +15% (70.5 M€ -> 80.9 M€). After deducting consumption (0 €), gross margin stands at 80.9 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 22.3 M€, representing 27.6% of revenue. Positive scissor effect: EBITDA margin improves by +4.1 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 6.8 M€, i.e. 8.4% of revenue. This profit can be retained or distributed to shareholders.
80 877 594 €
80 877 594 €
22 328 055 €
19 779 233 €
6 772 823 €
27.6%
The debt ratio (= Financial debt / Equity x 100) stands at 282%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 17.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 15.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
281.999%
22.207%
15.516%
17.365
24.2%
In 2024, the debt ratio of LAPLACE (282.00) 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 LAPLACE (22.2%) 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 LAPLACE (17.36) 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 111.45. 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 30.2x. Operating income very largely covers interest expenses: high safety margin.
111.452
30.152
In 2024, the liquidity ratio of LAPLACE (111.45) 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 LAPLACE (30.1x) 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: 162 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 145 days. The company must finance 17 days of gap between collections and payments. Overall, WCR represents 58 days of revenue, i.e. 13.1 M€ to permanently finance. Over 2016-2024, WCR increased by +327%, requiring additional financing.
13 141 800 €
162 j
145 j
0 j
58 j
Based on 193 transactions of similar company sales (all years), the value of LAPLACE is estimated at 40 078 991 € (range 11 427 904€ - 125 768 922€). With an EBITDA of 22 328 055€, 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 LAPLACE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LAPLACE in 2024 is 80.9 M€.
Yes, LAPLACE generated a net profit of 6.8 M€ in 2024.
The headquarters of LAPLACE is located in MONTPELLIER (34080), in the department Herault.
The tax return of LAPLACE 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).
LAPLACE 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.