SIREN : 502159049
APP COURTAGE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-QUENTIN (02100), this company of category PME shows in 2021 a revenue of 51 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 | 2021 | 2016 |
|---|---|---|
| Revenue | 50 658 € | 81 296 € |
| Net income | 13 387 € | 5 946 € |
| EBITDA | 15 750 € | 7 086 € |
| Net margin | 26.4% | 7.3% |
In 2021, APP COURTAGE achieves revenue of 51 k€. Significant drop of -38% vs 2016. After deducting consumption (0 €), gross margin stands at 51 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 16 k€, representing 31.1% of revenue. Positive scissor effect: EBITDA margin improves by +22.4 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 13 k€, i.e. 26.4% of revenue. This profit can be retained or distributed to shareholders.
50 658 €
50 658 €
15 750 €
15 749 €
13 387 €
31.1%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 91%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 26.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.411%
90.644%
26.426%
0.018
In 2021, the debt ratio of APP COURTAGE (0.41) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2021, the financial autonomy of APP COURTAGE (90.6%) 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 2021, the repayment capacity of APP COURTAGE (0.02) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 1078.49. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1078.489
0.0
In 2021, the liquidity ratio of APP COURTAGE (1078.49) 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 2021, the interest coverage of APP 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: 10 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 24 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Overall, WCR represents 226 days of revenue, i.e. 32 k€ to permanently finance.
31 785 €
10 j
24 j
0 j
226 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 10 161€ to 53 491€ 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 APP COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of APP COURTAGE in 2021 is 51 k€.
Yes, APP COURTAGE generated a net profit of 13 k€ in 2021.
The headquarters of APP COURTAGE is located in SAINT-QUENTIN (02100), in the department Aisne.
The tax return of APP 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).
APP 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.