L'EPI EPARGNE PREVOYANCE INTERNATIONALES : revenue, balance sheet and financial ratios

L'EPI EPARGNE PREVOYANCE INTERNATIONALES is a French company founded 42 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NOISY-SUR-ECOLE (77123), this company of category PME shows in 2024 a revenue of 843 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 - L'EPI EPARGNE PREVOYANCE INTERNATIONALES (SIREN 327876991)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 843 391 € 881 268 € 746 285 € 699 879 € 669 782 € 701 970 € 811 047 € 746 050 € 773 001 €
Net income 186 332 € 93 359 € 411 613 € 174 893 € 710 343 € 138 601 € 84 138 € 146 504 € 259 666 €
EBITDA 292 702 € 206 910 € 269 200 € 259 585 € 294 114 € 213 851 € 124 243 € 252 150 € 251 077 €
Net margin 22.1% 10.6% 55.2% 25.0% 106.1% 19.7% 10.4% 19.6% 33.6%

Revenue and income statement

In 2024, L'EPI EPARGNE PREVOYANCE INTERNATIONALES achieves revenue of 843 k€. Revenue is growing positively over 9 years (CAGR: +1.1%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 843 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 293 k€, representing 34.7% of revenue. Positive scissor effect: EBITDA margin improves by +11.2 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 186 k€, i.e. 22.1% of revenue. This profit can be retained or distributed to shareholders.

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

843 391 €

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

843 391 €

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

292 702 €

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

232 199 €

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

186 332 €

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

34.7%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

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 96%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 29.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

0.554%

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

96.331%

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

29.267%

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

0.065

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

60.4%

Solvency indicators evolution
L'EPI EPARGNE PREVOYANCE INTERNATIONALES

Sector positioning

Debt ratio
0.55 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good

In 2024, the debt ratio of L'EPI EPARGNE PREVOYANCE ... (0.55) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
96.33% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of L'EPI EPARGNE PREVOYANCE ... (96.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.07 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Good +10 pts over 3 years

In 2024, the repayment capacity of L'EPI EPARGNE PREVOYANCE ... (0.07) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1131.73. 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 1.0x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

1131.734

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

1.018

Liquidity indicators evolution
L'EPI EPARGNE PREVOYANCE INTERNATIONALES

Sector positioning

Liquidity ratio
1131.73 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent +9 pts over 3 years

In 2024, the liquidity ratio of L'EPI EPARGNE PREVOYANCE ... (1131.73) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
1.02x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +37 pts over 3 years

In 2024, the interest coverage of L'EPI EPARGNE PREVOYANCE ... (1.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 2 days. Favorable situation: supplier credit is longer than customer credit by 2 days. WCR is negative (-21 days): operations structurally generate cash. Notable WCR improvement over the period (-824%), 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

-48 208 €

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

0 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

2 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

-21 j

WCR and payment terms evolution
L'EPI EPARGNE PREVOYANCE INTERNATIONALES

Positioning of L'EPI EPARGNE PREVOYANCE INTERNATIONALES 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 L'EPI EPARGNE PREVOYANCE INTERNATIONALES is estimated at 500 756 € (range 150 560€ - 1 709 144€). With an EBITDA of 292 702€, 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.

Estimated enterprise value 2024
193 transactions
150k€ 500k€ 1709k€
500 756 € Range: 150 560€ - 1 709 144€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
292 702 € × 1.2x
Estimation 354 361 €
91 528€ - 1 808 760€
Revenue Multiple 30%
843 391 € × 0.98x
Estimation 828 571 €
231 061€ - 1 540 999€
Net Income Multiple 20%
186 332 € × 2.0x
Estimation 375 025 €
177 394€ - 1 712 324€

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 L'EPI EPARGNE PREVOYANCE INTERNATIONALES with other companies in the same sector:

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

Frequently asked questions about L'EPI EPARGNE PREVOYANCE INTERNATIONALES

What is the revenue of L'EPI EPARGNE PREVOYANCE INTERNATIONALES ?

The revenue of L'EPI EPARGNE PREVOYANCE INTERNATIONALES in 2024 is 843 k€.

Is L'EPI EPARGNE PREVOYANCE INTERNATIONALES profitable?

Yes, L'EPI EPARGNE PREVOYANCE INTERNATIONALES generated a net profit of 186 k€ in 2024.

Where is the headquarters of L'EPI EPARGNE PREVOYANCE INTERNATIONALES ?

The headquarters of L'EPI EPARGNE PREVOYANCE INTERNATIONALES is located in NOISY-SUR-ECOLE (77123), in the department Seine-et-Marne.

Where to find the tax return of L'EPI EPARGNE PREVOYANCE INTERNATIONALES ?

The tax return of L'EPI EPARGNE PREVOYANCE INTERNATIONALES 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 L'EPI EPARGNE PREVOYANCE INTERNATIONALES operate?

L'EPI EPARGNE PREVOYANCE INTERNATIONALES 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.