SIREN : 529942781
360 COURTAGE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LENS (62300), this company of category PME shows in 2024 a revenue of 864 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2016 |
|---|---|---|
| Revenue | 864 019 € | 324 878 € |
| Net income | 138 408 € | 53 051 € |
| EBITDA | 196 171 € | 47 975 € |
| Net margin | 16.0% | 16.3% |
In 2024, 360 COURTAGE achieves revenue of 864 k€. Vs 2016, growth of +166% (325 k€ -> 864 k€). After deducting consumption (14 k€), gross margin stands at 850 k€, i.e. a rate of 98%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 196 k€, representing 22.7% of revenue. Positive scissor effect: EBITDA margin improves by +7.9 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 138 k€, i.e. 16.0% of revenue. This profit can be retained or distributed to shareholders.
864 019 €
849 968 €
196 171 €
180 932 €
138 408 €
22.3%
The debt ratio (= Financial debt / Equity x 100) stands at 10%. 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 79%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 16.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
9.727%
79.427%
16.79%
0.331
31.2%
In 2024, the debt ratio of 360 COURTAGE (9.73) 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 360 COURTAGE (79.4%) 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 360 COURTAGE (0.33) 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 472.71. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
472.711
0.419
In 2024, the liquidity ratio of 360 COURTAGE (472.71) 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 360 COURTAGE (0.4x) 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: 47 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 15 days. The gap of 32 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 37 days of revenue, i.e. 88 k€ to permanently finance.
88 337 €
47 j
15 j
0 j
37 j
Based on 193 transactions of similar company sales (all years), the value of 360 COURTAGE is estimated at 429 112 € (range 128 038€ - 1 334 112€). With an EBITDA of 196 171€, 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 360 COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of 360 COURTAGE in 2024 is 864 k€.
Yes, 360 COURTAGE generated a net profit of 138 k€ in 2024.
The headquarters of 360 COURTAGE is located in LENS (62300), in the department Pas-de-Calais.
The tax return of 360 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).
360 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.