SIREN : 481162758
VITALEPARGNE is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CAEN (14000), this company of category PME shows in 2024 a revenue of 8.5 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 524 073 € | 8 642 445 € | 5 527 132 € | 4 229 587 € | 2 622 297 € | 2 338 264 € | 2 994 765 € | 2 803 486 € | 2 272 035 € |
| Net income | 4 084 593 € | 4 518 281 € | 1 992 226 € | 1 962 090 € | 776 748 € | 675 323 € | 1 085 257 € | 792 027 € | 547 877 € |
| EBITDA | 4 724 561 € | 5 517 266 € | 2 556 341 € | 2 232 200 € | 969 077 € | 698 765 € | 1 352 638 € | 1 142 458 € | 538 628 € |
| Net margin | 47.9% | 52.3% | 36.0% | 46.4% | 29.6% | 28.9% | 36.2% | 28.3% | 24.1% |
In 2024, VITALEPARGNE achieves revenue of 8.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +18.0%. Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 8.5 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 4.7 M€, representing 55.4% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -14%, reducing margin by 8.4 pts. This reflects costs rising faster than 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 4.1 M€, i.e. 47.9% of revenue. This profit can be retained or distributed to shareholders.
8 524 073 €
8 524 073 €
4 724 561 €
4 650 401 €
4 084 593 €
55.4%
The debt ratio (= Financial debt / Equity x 100) stands at 8%. 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 81%. 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 49.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
8.459%
80.938%
49.534%
0.155
54.0%
In 2024, the debt ratio of VITALEPARGNE (8.46) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of VITALEPARGNE (80.9%) 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.
In 2024, the repayment capacity of VITALEPARGNE (0.15) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 435.41. 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 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
435.407
0.312
In 2024, the liquidity ratio of VITALEPARGNE (435.41) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of VITALEPARGNE (0.3x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 48 days. Favorable situation: supplier credit is longer than customer credit by 15 days. Overall, WCR represents 41 days of revenue, i.e. 969 k€ to permanently finance.
968 590 €
33 j
48 j
0 j
41 j
Based on 193 transactions of similar company sales (all years), the value of VITALEPARGNE is estimated at 7 016 377 € (range 2 217 009€ - 26 777 382€). With an EBITDA of 4 724 561€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare VITALEPARGNE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of VITALEPARGNE in 2024 is 8.5 M€.
Yes, VITALEPARGNE generated a net profit of 4.1 M€ in 2024.
The headquarters of VITALEPARGNE is located in CAEN (14000), in the department Calvados.
The tax return of VITALEPARGNE 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).
VITALEPARGNE 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.