SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) : revenue, balance sheet and financial ratios

SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) is a French company founded 47 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MASSY (91300), this company of category GE shows in 2024 a revenue of 133.1 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 EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) (SIREN 316136506)
Indicator 2024 2022 2021 2020 2019 2018 2017 2016
Revenue 133 119 471 € N/C N/C N/C 2 538 921 € 3 109 061 € 1 277 722 € N/C
Net income 197 378 898 € 21 973 935 € 18 918 249 € 18 485 081 € 19 182 489 € 16 721 640 € 16 320 410 € 15 623 519 €
EBITDA 131 894 360 € -47 240 € -59 975 € -143 055 € 4 364 111 € 3 109 061 € 47 414 € -174 926 €
Net margin 148.3% N/C N/C N/C 755.5% 537.8% 1277.3% N/C

Revenue and income statement

In 2024, SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) achieves revenue of 133.1 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +94.2%. After deducting consumption (109 €), gross margin stands at 133.1 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 131.9 M€, representing 99.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 197.4 M€, i.e. 148.3% 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

133 119 471 €

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

133 119 362 €

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

131 894 360 €

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

131 894 072 €

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

197 378 898 €

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

99.1%

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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 18%. 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 43%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 119.6% 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

17.525%

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

42.52%

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

119.556%

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

0.047

Solvency indicators evolution
SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.)

Sector positioning

Debt ratio
17.52 2024
2021
2022
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +5 pts over 3 years

In 2024, the debt ratio of SOCIETE EUROPEENNE DE DEV... (17.52) 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
42.52% 2024
2021
2022
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average +7 pts over 3 years

In 2024, the financial autonomy of SOCIETE EUROPEENNE DE DEV... (42.5%) 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
0.05 years 2024
2021
2022
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Good -16 pts over 3 years

In 2024, the repayment capacity of SOCIETE EUROPEENNE DE DEV... (0.05) 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 200.31. 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 2.5x. Financial charges are adequately covered by operations.

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

200.306

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

2.512

Liquidity indicators evolution
SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.)

Sector positioning

Liquidity ratio
200.31 2024
2021
2022
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average +5 pts over 3 years

In 2024, the liquidity ratio of SOCIETE EUROPEENNE DE DEV... (200.31) 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
2.51x 2024
2021
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent +50 pts over 3 years

In 2024, the interest coverage of SOCIETE EUROPEENNE DE DEV... (2.5x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 8 days. Favorable situation: supplier credit is longer than customer credit by 8 days. Overall, WCR represents 5 days of revenue, i.e. 1.9 M€ to permanently finance.

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

1 883 641 €

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

8 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

5 j

WCR and payment terms evolution
SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.)

Positioning of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) 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 EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) is estimated at 198 524 992 € (range 69 144 929€ - 843 259 246€). With an EBITDA of 131 894 360€, 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
69144k€ 198524k€ 843259k€
198 524 992 € Range: 69 144 929€ - 843 259 246€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
131 894 360 € × 1.2x
Estimation 159 678 402 €
41 243 318€ - 815 044 713€
Revenue Multiple 30%
133 119 471 € × 0.98x
Estimation 130 780 321 €
36 470 297€ - 243 228 720€
Net Income Multiple 20%
197 378 898 € × 2.0x
Estimation 397 258 474 €
187 910 906€ - 1 813 841 368€

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 EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) 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 EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.)

What is the revenue of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) ?

The revenue of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) in 2024 is 133.1 M€.

Is SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) profitable?

Yes, SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) generated a net profit of 197.4 M€ in 2024.

Where is the headquarters of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) ?

The headquarters of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) is located in MASSY (91300), in the department Essonne.

Where to find the tax return of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) ?

The tax return of SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) 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 EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) operate?

SOCIETE EUROPEENNE DE DEVELOPPEMENT D'ASSURANCES ( E.D.A.) 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.