SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP : revenue, balance sheet and financial ratios

SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOULOGNE BILLANCOURT (92100), this company of category PME shows in 2024 a revenue of 847 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 EN ASSURANCE ET PLACEMENT SCAP (SIREN 384690152)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue 847 483 € 829 225 € 796 651 € 784 069 € 686 754 € 620 887 € 542 875 € 502 321 € 450 878 € 467 862 €
Net income 417 642 € 384 437 € 379 259 € 396 000 € 297 912 € 248 219 € 224 632 € 194 645 € 185 093 € 195 458 €
EBITDA 552 341 € 504 948 € 517 199 € 497 116 € 416 474 € 349 271 € 315 330 € 288 541 € 271 337 € 287 831 €
Net margin 49.3% 46.4% 47.6% 50.5% 43.4% 40.0% 41.4% 38.7% 41.1% 41.8%

Revenue and income statement

In 2024, SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP achieves revenue of 847 k€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.8%. Vs 2023: +2%. After deducting consumption (0 €), gross margin stands at 847 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 552 k€, representing 65.2% of revenue. Positive scissor effect: EBITDA margin improves by +4.3 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 418 k€, i.e. 49.3% 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

847 483 €

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

847 483 €

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

552 341 €

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

509 567 €

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

417 642 €

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

65.2%

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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 5%. 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 92%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 50.2% 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

5.492%

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

91.911%

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

50.171%

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

0.172

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

43.5%

Solvency indicators evolution
SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP

Sector positioning

Debt ratio
5.49 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good -7 pts over 3 years

In 2024, the debt ratio of SOCIETE DE COURTAGE EN AS... (5.49) 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
91.91% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of SOCIETE DE COURTAGE EN AS... (91.9%) 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
0.17 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of SOCIETE DE COURTAGE EN AS... (0.17) 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 2153.80. 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

2153.801

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 EN ASSURANCE ET PLACEMENT SCAP

Sector positioning

Liquidity ratio
2153.8 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent

In 2024, the liquidity ratio of SOCIETE DE COURTAGE EN AS... (2153.80) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of SOCIETE DE COURTAGE EN AS... (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 59 days. Excellent situation: suppliers finance 59 days of the operating cycle (retail model). Overall, WCR represents 299 days of revenue, i.e. 703 k€ to permanently finance. Over 2015-2024, WCR increased by +763%, requiring additional financing.

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

703 072 €

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

59 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

299 j

WCR and payment terms evolution
SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP

Positioning of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP 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 EN ASSURANCE ET PLACEMENT SCAP is estimated at 752 239 € (range 235 534€ - 2 938 741€). With an EBITDA of 552 341€, 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
235k€ 752k€ 2938k€
752 239 € Range: 235 534€ - 2 938 741€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
552 341 € × 1.2x
Estimation 668 694 €
172 717€ - 3 413 206€
Revenue Multiple 30%
847 483 € × 0.98x
Estimation 832 591 €
232 182€ - 1 548 475€
Net Income Multiple 20%
417 642 € × 2.0x
Estimation 840 575 €
397 608€ - 3 837 980€

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 EN ASSURANCE ET PLACEMENT SCAP 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 EN ASSURANCE ET PLACEMENT SCAP

What is the revenue of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP ?

The revenue of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP in 2024 is 847 k€.

Is SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP profitable?

Yes, SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP generated a net profit of 418 k€ in 2024.

Where is the headquarters of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP ?

The headquarters of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP is located in BOULOGNE BILLANCOURT (92100), in the department Hauts-de-Seine.

Where to find the tax return of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP ?

The tax return of SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP 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 EN ASSURANCE ET PLACEMENT SCAP operate?

SOCIETE DE COURTAGE EN ASSURANCE ET PLACEMENT SCAP 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.