ALLIANCE RESEAU COURTAGE ASSURANCE : revenue, balance sheet and financial ratios

ALLIANCE RESEAU COURTAGE ASSURANCE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in FONTENAY-LE-FLEURY (78330), this company of category PME shows in 2024 a revenue of 702 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

Financial history - ALLIANCE RESEAU COURTAGE ASSURANCE (SIREN 501444442)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 702 090 € 663 955 € 655 056 € 564 044 € 549 886 € 544 667 € 457 618 € 497 564 € 424 056 €
Net income 51 970 € 31 224 € 85 935 € 57 552 € 32 363 € 149 748 € -70 667 € 3 199 € 36 894 €
EBITDA 60 076 € 40 161 € 44 817 € -14 747 € 35 740 € 11 237 € -78 222 € 24 788 € 44 928 €
Net margin 7.4% 4.7% 13.1% 10.2% 5.9% 27.5% -15.4% 0.6% 8.7%

Revenue and income statement

In 2024, ALLIANCE RESEAU COURTAGE ASSURANCE achieves revenue of 702 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.5%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 702 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 60 k€, representing 8.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.5 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 52 k€, i.e. 7.4% 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

702 090 €

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

702 090 €

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

60 076 €

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

63 109 €

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

51 970 €

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

8.6%

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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 4%. 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 66%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

4.264%

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

65.622%

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

7.145%

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

0.515

Asset age ratio (2024) ?
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

47.1%

Solvency indicators evolution
ALLIANCE RESEAU COURTAGE ASSURANCE

Sector positioning

Debt ratio
4.26 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good -11 pts over 3 years

In 2024, the debt ratio of ALLIANCE RESEAU COURTAGE ... (4.26) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
65.62% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good

In 2024, the financial autonomy of ALLIANCE RESEAU COURTAGE ... (65.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.52 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of ALLIANCE RESEAU COURTAGE ... (0.52) 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 121.70. 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 0.8x. Danger: operating income does not cover interest charges, unsustainable situation.

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

121.697

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

0.842

Liquidity indicators evolution
ALLIANCE RESEAU COURTAGE ASSURANCE

Sector positioning

Liquidity ratio
121.7 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average

In 2024, the liquidity ratio of ALLIANCE RESEAU COURTAGE ... (121.70) 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
0.84x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good -10 pts over 3 years

In 2024, the interest coverage of ALLIANCE RESEAU COURTAGE ... (0.8x) 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) 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: 16 days. Favorable situation: supplier credit is longer than customer credit by 16 days. WCR is negative (-77 days): operations structurally generate cash.

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

-149 201 €

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

16 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

-77 j

WCR and payment terms evolution
ALLIANCE RESEAU COURTAGE ASSURANCE

Positioning of ALLIANCE RESEAU COURTAGE ASSURANCE 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 ALLIANCE RESEAU COURTAGE ASSURANCE is estimated at 264 211 € (range 76 993€ - 665 984€). With an EBITDA of 60 076€, 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
76k€ 264k€ 665k€
264 211 € Range: 76 993€ - 665 984€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
60 076 € × 1.2x
Estimation 72 731 €
18 786€ - 371 241€
Revenue Multiple 30%
702 090 € × 0.98x
Estimation 689 753 €
192 349€ - 1 282 821€
Net Income Multiple 20%
51 970 € × 2.0x
Estimation 104 598 €
49 477€ - 477 586€

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 ALLIANCE RESEAU COURTAGE ASSURANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about ALLIANCE RESEAU COURTAGE ASSURANCE

What is the revenue of ALLIANCE RESEAU COURTAGE ASSURANCE ?

The revenue of ALLIANCE RESEAU COURTAGE ASSURANCE in 2024 is 702 k€.

Is ALLIANCE RESEAU COURTAGE ASSURANCE profitable?

Yes, ALLIANCE RESEAU COURTAGE ASSURANCE generated a net profit of 52 k€ in 2024.

Where is the headquarters of ALLIANCE RESEAU COURTAGE ASSURANCE ?

The headquarters of ALLIANCE RESEAU COURTAGE ASSURANCE is located in FONTENAY-LE-FLEURY (78330), in the department Yvelines.

Where to find the tax return of ALLIANCE RESEAU COURTAGE ASSURANCE ?

The tax return of ALLIANCE RESEAU COURTAGE ASSURANCE 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 ALLIANCE RESEAU COURTAGE ASSURANCE operate?

ALLIANCE RESEAU COURTAGE ASSURANCE 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.