ASSURANCES RATTIER COTTE : revenue, balance sheet and financial ratios

ASSURANCES RATTIER COTTE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE CANNET (06110), this company of category PME shows in 2023 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ASSURANCES RATTIER COTTE (SIREN 540093853)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C 1 294 525 € 1 313 719 € 1 136 851 € 1 097 311 € 1 108 440 € 1 110 696 € 1 093 831 € 1 121 465 €
Net income 95 595 € 11 192 € 77 465 € 70 886 € 107 962 € 93 891 € 112 224 € 96 483 € 92 091 €
EBITDA N/C 31 810 € 100 800 € 101 632 € 177 256 € 167 396 € 154 400 € 150 846 € 151 677 €
Net margin N/C 0.9% 5.9% 6.2% 9.8% 8.5% 10.1% 8.8% 8.2%

Revenue and income statement

In 2024, ASSURANCES RATTIER COTTE generates positive net income of 96 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 92 k€ -> 96 k€.

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

95 595 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 9%. 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 88%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

9.186%

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

88.467%

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

52.7%

Solvency indicators evolution
ASSURANCES RATTIER COTTE

Sector positioning

Debt ratio
9.19 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average +5 pts over 3 years

In 2024, the debt ratio of ASSURANCES RATTIER COTTE (9.19) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
88.47% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent

In 2024, the financial autonomy of ASSURANCES RATTIER COTTE (88.5%) 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.

Repayment capacity
5.53 years 2023
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of ASSURANCES RATTIER COTTE (5.53) 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 61.80. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

61.798

Liquidity indicators evolution
ASSURANCES RATTIER COTTE

Sector positioning

Liquidity ratio
61.8 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Watch +11 pts over 3 years

In 2024, the liquidity ratio of ASSURANCES RATTIER COTTE (61.80) 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
10.75x 2023
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent +11 pts over 2 years

In 2023, the interest coverage of ASSURANCES RATTIER COTTE (10.8x) 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.

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

0 €

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

0 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 and payment terms evolution
ASSURANCES RATTIER COTTE

Positioning of ASSURANCES RATTIER COTTE 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 ASSURANCES RATTIER COTTE is estimated at 192 401 € (range 91 009€ - 878 483€). 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
91k€ 192k€ 878k€
192 401 € Range: 91 009€ - 878 483€
NAF 5 all-time

Valuation method used

Net Income Multiple
95 595 € × 2.0x = 192 401 €
Range: 91 009€ - 878 484€

Only this financial indicator is available for this company.

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 ASSURANCES RATTIER COTTE with other companies in the same sector:

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

Frequently asked questions about ASSURANCES RATTIER COTTE

What is the revenue of ASSURANCES RATTIER COTTE ?

The revenue of ASSURANCES RATTIER COTTE in 2023 is 1.3 M€.

Is ASSURANCES RATTIER COTTE profitable?

Yes, ASSURANCES RATTIER COTTE generated a net profit of 96 k€ in 2024.

Where is the headquarters of ASSURANCES RATTIER COTTE ?

The headquarters of ASSURANCES RATTIER COTTE is located in LE CANNET (06110), in the department Alpes-Maritimes.

Where to find the tax return of ASSURANCES RATTIER COTTE ?

The tax return of ASSURANCES RATTIER COTTE 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 ASSURANCES RATTIER COTTE operate?

ASSURANCES RATTIER COTTE 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.