SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE : revenue, balance sheet and financial ratios

SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE is a French company founded 33 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BEAUCHAMP (95250), this company of category PME shows in 2024 a revenue of 565 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 - SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE (SIREN 388893729)
Indicator 2024 2022 2021 2020 2019 2018 2017 2016
Revenue 564 943 € 463 694 € 532 731 € 458 893 € 406 225 € 417 795 € 486 110 € 427 834 €
Net income 176 661 € 121 144 € 202 006 € 189 168 € 66 961 € 79 777 € 147 875 € 139 912 €
EBITDA 189 396 € 144 438 € 254 255 € 240 933 € 73 181 € 94 418 € 179 327 € 149 812 €
Net margin 31.3% 26.1% 37.9% 41.2% 16.5% 19.1% 30.4% 32.7%

Revenue and income statement

In 2024, SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE achieves revenue of 565 k€. Revenue is growing positively over 8 years (CAGR: +3.5%). Vs 2022, growth of +22% (464 k€ -> 565 k€). After deducting consumption (0 €), gross margin stands at 565 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 189 k€, representing 33.5% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 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 177 k€, i.e. 31.3% 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

564 943 €

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

564 943 €

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

189 396 €

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

197 074 €

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

176 661 €

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

33.5%

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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 73%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 30.4% 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

72.56%

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

18.638%

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

30.402%

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

0.878

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

40.3%

Solvency indicators evolution
SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE

Sector positioning

Debt ratio
72.56 2024
2021
2022
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +23 pts over 3 years

In 2024, the debt ratio of SOCIETE DE COURTAGE D ASS... (72.56) 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
18.64% 2024
2021
2022
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -12 pts over 3 years

In 2024, the financial autonomy of SOCIETE DE COURTAGE D ASS... (18.6%) 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
0.88 years 2024
2021
2022
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average +11 pts over 3 years

In 2024, the repayment capacity of SOCIETE DE COURTAGE D ASS... (0.88) 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 143.28. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

143.282

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

0.0

Liquidity indicators evolution
SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE

Sector positioning

Liquidity ratio
143.28 2024
2021
2022
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -8 pts over 3 years

In 2024, the liquidity ratio of SOCIETE DE COURTAGE D ASS... (143.28) 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
0.0x 2024
2021
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of SOCIETE DE COURTAGE D ASS... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. Excellent situation: suppliers finance 47 days of the operating cycle (retail model). WCR is negative (-414 days): operations structurally generate cash. Notable WCR improvement over the period (-218%), 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

-648 927 €

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

18 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

65 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

-414 j

WCR and payment terms evolution
SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE

Positioning of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE 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 SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE is estimated at 352 263 € (range 109 682€ - 1 219 549€). With an EBITDA of 189 396€, 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
109k€ 352k€ 1219k€
352 263 € Range: 109 682€ - 1 219 549€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
189 396 € × 1.2x
Estimation 229 293 €
59 224€ - 1 170 378€
Revenue Multiple 30%
564 943 € × 0.98x
Estimation 555 016 €
154 776€ - 1 032 233€
Net Income Multiple 20%
176 661 € × 2.0x
Estimation 355 560 €
168 187€ - 1 623 451€

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 SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE with other companies in the same sector:

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

Frequently asked questions about SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE

What is the revenue of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE ?

The revenue of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE in 2024 is 565 k€.

Is SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE profitable?

Yes, SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE generated a net profit of 177 k€ in 2024.

Where is the headquarters of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE ?

The headquarters of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE is located in BEAUCHAMP (95250), in the department Val-d'Oise.

Where to find the tax return of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE ?

The tax return of SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE 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 SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE operate?

SOCIETE DE COURTAGE D ASSURANCES EUROPEEN CAE 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.