SIREN : 413990102
ALTIMA COURTAGE is a French company founded 28 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHAURAY (79180), this company of category GE shows in 2024 a revenue of 5.1 M€. 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5 137 722 € | 4 996 185 € | 4 533 213 € | 3 070 660 € | 2 751 228 € | 2 627 887 € | 3 419 576 € | 3 125 885 € | 3 401 569 € |
| Net income | 48 712 € | 105 965 € | 542 951 € | -326 818 € | -309 683 € | -462 830 € | -2 375 958 € | 299 319 € | 905 268 € |
| EBITDA | 19 931 € | 89 000 € | 530 980 € | -488 914 € | -444 393 € | -659 818 € | -150 026 € | 341 720 € | 933 189 € |
| Net margin | 0.9% | 2.1% | 12.0% | -10.6% | -11.3% | -17.6% | -69.5% | 9.6% | 26.6% |
In 2024, ALTIMA COURTAGE achieves revenue of 5.1 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.3%. Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 5.1 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 20 k€, representing 0.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 49 k€, i.e. 0.9% of revenue. This profit can be retained or distributed to shareholders.
5 137 722 €
5 137 722 €
19 931 €
48 712 €
48 712 €
0.4%
The debt ratio (= Financial debt / Equity x 100) stands at 92%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 44%. 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 72.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
91.723%
43.788%
0.52%
72.788
16.3%
In 2024, the debt ratio of ALTIMA COURTAGE (91.72) 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 ALTIMA COURTAGE (43.8%) 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 2024, the repayment capacity of ALTIMA COURTAGE (72.79) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 617.39. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
617.392
0.0
In 2024, the liquidity ratio of ALTIMA COURTAGE (617.39) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of ALTIMA COURTAGE (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 8 days. Favorable situation: supplier credit is longer than customer credit by 7 days. Overall, WCR represents 150 days of revenue, i.e. 2.1 M€ to permanently finance.
2 143 920 €
1 j
8 j
0 j
150 j
Based on 193 transactions of similar company sales (all years), the value of ALTIMA COURTAGE is estimated at 1 545 905 € (range 434 660€ - 2 967 321€). With an EBITDA of 19 931€, 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 ALTIMA COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ALTIMA COURTAGE in 2024 is 5.1 M€.
Yes, ALTIMA COURTAGE generated a net profit of 49 k€ in 2024.
The headquarters of ALTIMA COURTAGE is located in CHAURAY (79180), in the department Deux-Sevres.
The tax return of ALTIMA 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).
ALTIMA 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.