SAG VIGNY DEPIERRE ASSURANCES : revenue, balance sheet and financial ratios

SAG VIGNY DEPIERRE ASSURANCES is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ARCHAMPS (74160), this company of category PME shows in 2024 a revenue of 7.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SAG VIGNY DEPIERRE ASSURANCES (SIREN 533157558)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 7 890 242 € 7 440 925 € 6 349 394 € 6 392 092 € 6 356 823 € 5 165 283 € 5 318 267 € N/C
Net income 554 920 € 801 374 € 499 213 € 401 683 € 308 666 € 254 390 € 359 374 € 64 966 €
EBITDA 771 588 € 1 203 386 € 709 616 € 640 752 € 495 099 € -479 489 € 1 048 863 € -4 286 398 €
Net margin 7.0% 10.8% 7.9% 6.3% 4.9% 4.9% 6.8% N/C

Revenue and income statement

In 2024, SAG VIGNY DEPIERRE ASSURANCES achieves revenue of 7.9 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.8%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 7.9 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 772 k€, representing 9.8% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -36%, reducing margin by 6.4 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 555 k€, i.e. 7.0% 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

7 890 242 €

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

7 890 242 €

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

771 588 €

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

817 492 €

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

554 920 €

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

9.8%

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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 38%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. 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.

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

37.767%

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

36.995%

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

6.522%

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

1.801

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

40.0%

Solvency indicators evolution
SAG VIGNY DEPIERRE ASSURANCES

Sector positioning

Debt ratio
37.77 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average +8 pts over 3 years

In 2024, the debt ratio of SAG VIGNY DEPIERRE ASSURA... (37.77) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
36.99% 2024
2021
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of SAG VIGNY DEPIERRE ASSURA... (37.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.8 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of SAG VIGNY DEPIERRE ASSURA... (1.80) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 151.31. 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 1.9x. 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

151.313

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

1.917

Liquidity indicators evolution
SAG VIGNY DEPIERRE ASSURANCES

Sector positioning

Liquidity ratio
151.31 2024
2021
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average -6 pts over 3 years

In 2024, the liquidity ratio of SAG VIGNY DEPIERRE ASSURA... (151.31) 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.

Interest coverage
1.92x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good

In 2024, the interest coverage of SAG VIGNY DEPIERRE ASSURA... (1.9x) 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: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 133 days. Excellent situation: suppliers finance 104 days of the operating cycle (retail model). WCR is negative (-27 days): operations structurally generate 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

-583 957 €

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

29 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

133 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

-27 j

WCR and payment terms evolution
SAG VIGNY DEPIERRE ASSURANCES

Positioning of SAG VIGNY DEPIERRE ASSURANCES 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 SAG VIGNY DEPIERRE ASSURANCES is estimated at 3 015 915 € (range 874 796€ - 7 728 914€). With an EBITDA of 771 588€, 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
874k€ 3015k€ 7728k€
3 015 915 € Range: 874 796€ - 7 728 914€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
771 588 € × 1.2x
Estimation 934 126 €
241 275€ - 4 768 049€
Revenue Multiple 30%
7 890 242 € × 0.98x
Estimation 7 751 596 €
2 161 663€ - 14 416 625€
Net Income Multiple 20%
554 920 € × 2.0x
Estimation 1 116 871 €
528 301€ - 5 099 516€

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 SAG VIGNY DEPIERRE ASSURANCES with other companies in the same sector:

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

Frequently asked questions about SAG VIGNY DEPIERRE ASSURANCES

What is the revenue of SAG VIGNY DEPIERRE ASSURANCES ?

The revenue of SAG VIGNY DEPIERRE ASSURANCES in 2024 is 7.9 M€.

Is SAG VIGNY DEPIERRE ASSURANCES profitable?

Yes, SAG VIGNY DEPIERRE ASSURANCES generated a net profit of 555 k€ in 2024.

Where is the headquarters of SAG VIGNY DEPIERRE ASSURANCES ?

The headquarters of SAG VIGNY DEPIERRE ASSURANCES is located in ARCHAMPS (74160), in the department Haute-Savoie.

Where to find the tax return of SAG VIGNY DEPIERRE ASSURANCES ?

The tax return of SAG VIGNY DEPIERRE ASSURANCES 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 SAG VIGNY DEPIERRE ASSURANCES operate?

SAG VIGNY DEPIERRE ASSURANCES 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.