SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE : revenue, balance sheet and financial ratios

SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category ETI shows in 2023 a revenue of 13.8 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 PARISIENNE DE GARANTIE AUTOMOBILE (SIREN 450059456)
Indicator 2023 2022 2021 2020 2019 2018 2015
Revenue 13 790 861 € 10 857 509 € 9 834 819 € 7 035 836 € 4 146 212 € 1 234 877 € N/C
Net income 876 445 € 885 175 € 322 299 € 84 060 € 105 341 € 214 545 € -2 675 €
EBITDA 1 107 084 € 1 223 218 € 300 328 € -60 195 € -112 835 € 315 920 € -3 668 €
Net margin 6.4% 8.2% 3.3% 1.2% 2.5% 17.4% N/C

Revenue and income statement

In 2023, SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE achieves revenue of 13.8 M€. Over the period 2018-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +62.0%. Vs 2022, growth of +27% (10.9 M€ -> 13.8 M€). After deducting consumption (3 k€), gross margin stands at 13.8 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 1.1 M€, representing 8.0% of revenue. Warning negative scissor effect: despite revenue change (+27%), EBITDA varies by -9%, reducing margin by 3.2 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 876 k€, i.e. 6.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

13 790 861 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

13 787 421 €

EBITDA (2023) ?
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

1 107 084 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 246 914 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

876 445 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

8.0%

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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 122%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 20%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 5.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

121.903%

Financial autonomy (2023) ?
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

19.866%

Cash flow / Revenue (2023) ?
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

5.364%

Repayment capacity (2023) ?
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

3.487

Asset age ratio (2023) ?
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

31.1%

Solvency indicators evolution
SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE

Sector positioning

Debt ratio
121.9 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average

In 2023, the debt ratio of SOCIETE PARISIENNE DE GAR... (121.90) 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
19.87% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average

In 2023, the financial autonomy of SOCIETE PARISIENNE DE GAR... (19.9%) 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
3.49 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Average

In 2023, the repayment capacity of SOCIETE PARISIENNE DE GAR... (3.49) 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 139.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

139.945

Interest coverage (2023) ?
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 PARISIENNE DE GARANTIE AUTOMOBILE

Sector positioning

Liquidity ratio
139.94 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Average -6 pts over 3 years

In 2023, the liquidity ratio of SOCIETE PARISIENNE DE GAR... (139.94) 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 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Average

In 2023, the interest coverage of SOCIETE PARISIENNE DE GAR... (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: 107 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 85 days. The company must finance 22 days of gap between collections and payments. Overall, WCR represents 110 days of revenue, i.e. 4.2 M€ to permanently finance.

Operating WCR (2023) ?
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

4 202 627 €

Customer credit (2023) ?
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

107 j

Supplier credit (2023) ?
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

85 j

Inventory turnover (2023) ?
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 (2023) ?
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

110 j

WCR and payment terms evolution
SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE

Positioning of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE 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 PARISIENNE DE GARANTIE AUTOMOBILE is estimated at 5 087 505 € (range 1 473 443€ - 12 590 845€). With an EBITDA of 1 107 084€, 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 2023
193 transactions
1473k€ 5087k€ 12590k€
5 087 505 € Range: 1 473 443€ - 12 590 845€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 107 084 € × 1.2x
Estimation 1 340 295 €
346 185€ - 6 841 255€
Revenue Multiple 30%
13 790 861 € × 0.98x
Estimation 13 548 531 €
3 778 236€ - 25 197 918€
Net Income Multiple 20%
876 445 € × 2.0x
Estimation 1 763 994 €
834 403€ - 8 054 216€

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 PARISIENNE DE GARANTIE AUTOMOBILE 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 PARISIENNE DE GARANTIE AUTOMOBILE

What is the revenue of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE ?

The revenue of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE in 2023 is 13.8 M€.

Is SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE profitable?

Yes, SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE generated a net profit of 876 k€ in 2023.

Where is the headquarters of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE ?

The headquarters of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE is located in PARIS (75017), in the department Paris.

Where to find the tax return of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE ?

The tax return of SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE 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 PARISIENNE DE GARANTIE AUTOMOBILE operate?

SOCIETE PARISIENNE DE GARANTIE AUTOMOBILE 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.