SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD : revenue, balance sheet and financial ratios

SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69003), this company of category GE shows in 2024 a revenue of 4.0 M€. 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 GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD (SIREN 498484690)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 4 048 217 € 2 134 664 € 2 379 340 € 1 971 942 € 2 655 406 € 4 014 369 € 1 151 512 € 1 159 794 € 1 475 363 €
Net income 700 636 € -149 346 € 164 705 € -507 518 € -206 562 € -58 169 € -288 561 € -129 489 € 130 616 €
EBITDA 754 189 € -6 879 € 355 063 € -208 571 € 276 030 € -13 170 € -200 560 € -165 187 € 262 118 €
Net margin 17.3% -7.0% 6.9% -25.7% -7.8% -1.4% -25.1% -11.2% 8.9%

Revenue and income statement

In 2024, SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD achieves revenue of 4.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.4%. Vs 2023, growth of +90% (2.1 M€ -> 4.0 M€). After deducting consumption (0 €), gross margin stands at 4.0 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 754 k€, representing 18.6% of revenue. Positive scissor effect: EBITDA margin improves by +19.0 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 701 k€, i.e. 17.3% 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

4 048 217 €

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

4 048 217 €

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

754 189 €

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

690 265 €

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

700 636 €

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

18.6%

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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 830%. 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 17.4% 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

829.573%

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

9.059%

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

17.443%

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

0.0

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

26.9%

Solvency indicators evolution
SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD

Sector positioning

Debt ratio
829.57 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Watch

In 2024, the debt ratio of SOCIETE DE GESTION ET DE ... (829.57) 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.

Financial autonomy
9.06% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of SOCIETE DE GESTION ET DE ... (9.1%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of SOCIETE DE GESTION ET DE ... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 109.05. 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 0.1x. Danger: operating income does not cover interest charges, unsustainable situation.

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

109.05

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

0.103

Liquidity indicators evolution
SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD

Sector positioning

Liquidity ratio
109.05 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Watch

In 2024, the liquidity ratio of SOCIETE DE GESTION ET DE ... (109.05) 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.

Interest coverage
0.1x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good -7 pts over 3 years

In 2024, the interest coverage of SOCIETE DE GESTION ET DE ... (0.1x) 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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 327 days. Excellent situation: suppliers finance 325 days of the operating cycle (retail model). Overall, WCR represents 27 days of revenue, i.e. 306 k€ to permanently finance. Over 2016-2024, WCR increased by +197%, 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

305 802 €

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

2 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

327 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
SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD

Positioning of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD 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 GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD is estimated at 1 931 685 € (range 584 045€ - 5 836 989€). With an EBITDA of 754 189€, 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
584k€ 1931k€ 5836k€
1 931 685 € Range: 584 045€ - 5 836 989€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
754 189 € × 1.2x
Estimation 913 062 €
235 835€ - 4 660 531€
Revenue Multiple 30%
4 048 217 € × 0.98x
Estimation 3 977 082 €
1 109 077€ - 7 396 684€
Net Income Multiple 20%
700 636 € × 2.0x
Estimation 1 410 149 €
667 027€ - 6 438 594€

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 GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD 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 GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD

What is the revenue of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD ?

The revenue of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD in 2024 is 4.0 M€.

Is SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD profitable?

Yes, SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD generated a net profit of 701 k€ in 2024.

Where is the headquarters of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD ?

The headquarters of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD is located in LYON (69003), in the department Rhone.

Where to find the tax return of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD ?

The tax return of SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD 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 GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD operate?

SOCIETE DE GESTION ET DE TRANSMISSION D'AGENCES DE LA REGION SUD 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.