ANTINEA COURTAGE D'ASSURANCES : revenue, balance sheet and financial ratios

ANTINEA COURTAGE D'ASSURANCES is a French company founded 69 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LA BOISSE (01120), this company of category PME shows in 2025 a revenue of 12.7 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

Financial history - ANTINEA COURTAGE D'ASSURANCES (SIREN 057502510)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 12 712 621 € 11 945 564 € 10 621 859 € 9 973 465 € 9 641 411 € 9 828 864 € 9 736 722 € 9 051 871 € 1 927 694 € N/C
Net income 561 324 € 759 206 € 1 175 356 € 743 723 € 650 894 € 589 412 € 359 897 € 787 310 € 154 437 € 165 772 €
EBITDA 1 458 908 € 1 391 629 € 1 616 139 € 1 294 165 € 1 234 081 € 1 249 614 € 762 142 € 912 510 € 158 949 € N/C
Net margin 4.4% 6.4% 11.1% 7.5% 6.8% 6.0% 3.7% 8.7% 8.0% N/C

Revenue and income statement

In 2025, ANTINEA COURTAGE D'ASSURANCES achieves revenue of 12.7 M€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +26.6%. Vs 2024: +6%. After deducting consumption (0 €), gross margin stands at 12.7 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 1.5 M€, representing 11.5% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 561 k€, i.e. 4.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

12 712 621 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

12 712 621 €

EBITDA (2025) ?
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

1 458 908 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 411 896 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

561 324 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

11.5%

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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 72%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 4.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

71.864%

Financial autonomy (2025) ?
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

23.469%

Cash flow / Revenue (2025) ?
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

4.785%

Repayment capacity (2025) ?
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

5.766

Asset age ratio (2025) ?
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

31.0%

Solvency indicators evolution
ANTINEA COURTAGE D'ASSURANCES

Sector positioning

Debt ratio
71.86 2025
2023
2024
2025
Q1: 0.0
Med: 5.25
Q3: 44.01
Watch

In 2025, the debt ratio of ANTINEA COURTAGE D'ASSURA... (71.86) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
23.47% 2025
2023
2024
2025
Q1: 14.47%
Med: 50.82%
Q3: 78.71%
Average

In 2025, the financial autonomy of ANTINEA COURTAGE D'ASSURA... (23.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
5.77 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Watch

In 2025, the repayment capacity of ANTINEA COURTAGE D'ASSURA... (5.77) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 46.75. 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 6.0x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2025) ?
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

46.746

Interest coverage (2025) ?
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

5.981

Liquidity indicators evolution
ANTINEA COURTAGE D'ASSURANCES

Sector positioning

Liquidity ratio
46.75 2025
2023
2024
2025
Q1: 157.68
Med: 329.7
Q3: 847.44
Watch

In 2025, the liquidity ratio of ANTINEA COURTAGE D'ASSURA... (46.75) 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.

Interest coverage
5.98x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Excellent

In 2025, the interest coverage of ANTINEA COURTAGE D'ASSURA... (6.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 74 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 537 days. Excellent situation: suppliers finance 463 days of the operating cycle (retail model). WCR is negative (-88 days): operations structurally generate cash.

Operating WCR (2025) ?
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

-3 104 803 €

Customer credit (2025) ?
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

74 j

Supplier credit (2025) ?
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

537 j

Inventory turnover (2025) ?
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 (2025) ?
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

-88 j

WCR and payment terms evolution
ANTINEA COURTAGE D'ASSURANCES

Positioning of ANTINEA COURTAGE D'ASSURANCES 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 ANTINEA COURTAGE D'ASSURANCES is estimated at 4 855 839 € (range 1 379 829€ - 12 507 698€). With an EBITDA of 1 458 908€, 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 2025
193 transactions
1379k€ 4855k€ 12507k€
4 855 839 € Range: 1 379 829€ - 12 507 698€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 458 908 € × 1.2x
Estimation 1 766 232 €
456 200€ - 9 015 361€
Revenue Multiple 30%
12 712 621 € × 0.98x
Estimation 12 489 237 €
3 482 834€ - 23 227 816€
Net Income Multiple 20%
561 324 € × 2.0x
Estimation 1 129 760 €
534 398€ - 5 158 366€

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 ANTINEA COURTAGE D'ASSURANCES with other companies in the same sector:

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

Frequently asked questions about ANTINEA COURTAGE D'ASSURANCES

What is the revenue of ANTINEA COURTAGE D'ASSURANCES ?

The revenue of ANTINEA COURTAGE D'ASSURANCES in 2025 is 12.7 M€.

Is ANTINEA COURTAGE D'ASSURANCES profitable?

Yes, ANTINEA COURTAGE D'ASSURANCES generated a net profit of 561 k€ in 2025.

Where is the headquarters of ANTINEA COURTAGE D'ASSURANCES ?

The headquarters of ANTINEA COURTAGE D'ASSURANCES is located in LA BOISSE (01120), in the department Ain.

Where to find the tax return of ANTINEA COURTAGE D'ASSURANCES ?

The tax return of ANTINEA COURTAGE D'ASSURANCES 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 ANTINEA COURTAGE D'ASSURANCES operate?

ANTINEA COURTAGE D'ASSURANCES 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.