SIREN : 839289550
ASC COURTAGE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-CHAMOND (42400), this company of category PME shows in 2024 a revenue of 78 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 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 77 593 € | 79 462 € | 90 576 € | 85 440 € | 77 513 € | 112 760 € |
| Net income | 21 099 € | 19 376 € | 36 646 € | 46 801 € | 39 642 € | 50 846 € |
| EBITDA | 28 097 € | 31 809 € | 47 109 € | 61 283 € | 52 604 € | 65 564 € |
| Net margin | 27.2% | 24.4% | 40.5% | 54.8% | 51.1% | 45.1% |
In 2024, ASC COURTAGE achieves revenue of 78 k€. Revenue is declining over the period 2019-2024 (CAGR: -7.2%). Slight decline of -2% vs 2023. After deducting consumption (0 €), gross margin stands at 78 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 28 k€, representing 36.2% of revenue. Warning negative scissor effect: despite revenue change (-2%), EBITDA varies by -12%, reducing margin by 3.8 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 21 k€, i.e. 27.2% of revenue. This profit can be retained or distributed to shareholders.
77 593 €
77 593 €
28 097 €
28 097 €
21 099 €
36.2%
The debt ratio (= Financial debt / Equity x 100) stands at 127%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 43%. 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 13.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 27.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
127.065%
43.273%
27.192%
13.003
In 2024, the debt ratio of ASC COURTAGE (127.06) 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.
In 2024, the financial autonomy of ASC COURTAGE (43.3%) 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 ASC COURTAGE (13.00) 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 102.94. 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 11.7x. Operating income very largely covers interest expenses: high safety margin.
102.945
11.66
In 2024, the liquidity ratio of ASC COURTAGE (102.94) 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.
In 2024, the interest coverage of ASC COURTAGE (11.7x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 12 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 42 days of the operating cycle (retail model). WCR is negative (-15 days): operations structurally generate cash. Notable WCR improvement over the period (-109%), freeing up cash.
-3 140 €
12 j
54 j
0 j
-15 j
Based on 193 transactions of similar company sales (all years), the value of ASC COURTAGE is estimated at 48 369 € (range 14 787€ - 168 123€). With an EBITDA of 28 097€, 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 ASC COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ASC COURTAGE in 2024 is 78 k€.
Yes, ASC COURTAGE generated a net profit of 21 k€ in 2024.
The headquarters of ASC COURTAGE is located in SAINT-CHAMOND (42400), in the department Loire.
The tax return of ASC 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).
ASC 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.