SIREN : 493760979
AC COURTAGE is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARGERIE-CHANTAGRET (42560), this company of category PME shows in 2021 a revenue of 110 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
| Kennzahl | 2021 | 2019 |
|---|---|---|
| Umsatz | 109 632 € | N/C |
| Nettoergebnis | 25 397 € | 0 € |
| EBITDA | 26 763 € | N/C |
| Nettomarge | 23.2% | N/C |
In 2021, AC COURTAGE achieves revenue of 110 k€. After deducting consumption (0 €), gross margin stands at 110 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 27 k€, representing 24.4% 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 25 k€, i.e. 23.2% of revenue. This profit can be retained or distributed to shareholders.
109 632 €
109 632 €
26 763 €
31 033 €
25 397 €
24.4%
The debt ratio (= Financial debt / Equity x 100) stands at 38%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 23.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
37.636%
22.261%
23.166%
1.554
In 2021, the debt ratio of AC COURTAGE (37.64) 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 2021, the financial autonomy of AC COURTAGE (22.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of AC COURTAGE (1.55) 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 85.85. 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 1.9x. Coverage is limited: any activity downturn would jeopardize interest payments.
85.85
1.947
In 2021, the liquidity ratio of AC COURTAGE (85.85) 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.
In 2021, the interest coverage of AC COURTAGE (1.9x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 63 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. The company must finance 21 days of gap between collections and payments. WCR is negative (-83 days): operations structurally generate cash.
-25 225 €
63 j
42 j
0 j
-83 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 20 750€ to 108 776€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 44 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 AC COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AC COURTAGE in 2021 is 110 k€.
Yes, AC COURTAGE generated a net profit of 25 k€ in 2021.
The headquarters of AC COURTAGE is located in MARGERIE-CHANTAGRET (42560), in the department Loire.
The tax return of AC COURTAGE 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).
AC COURTAGE 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.