Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

AVEC MON COURTIER : revenue, balance sheet and financial ratios

AVEC MON COURTIER is a French company founded 5 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in PLEDRAN (22960), this company of category PME shows in 2023 a net income positive of 50 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - AVEC MON COURTIER (SIREN 893095737)
Indicator 2023 2022
Revenue N/C N/C
Net income 49 692 € 61 324 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2023, AVEC MON COURTIER generates positive net income of 50 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2023: 61 k€ -> 50 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

49 692 €

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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 40%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 69%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

40.045%

Financial autonomy (2023) ?
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

68.729%

Asset age ratio (2023) ?
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

62.1%

Solvency indicators evolution
AVEC MON COURTIER

Sector positioning

Debt ratio
40.05 2023
2022
2023
Q1: 0.0
Med: 5.37
Q3: 59.79
Average +8 pts over 2 years

In 2023, the debt ratio of AVEC MON COURTIER (40.05) 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
68.73% 2023
2022
2023
Q1: 5.1%
Med: 41.81%
Q3: 76.55%
Good +5 pts over 2 years

In 2023, the financial autonomy of AVEC MON COURTIER (68.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 2577.41. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

2577.407

Liquidity indicators evolution
AVEC MON COURTIER

Sector positioning

Liquidity ratio
2577.41 2023
2022
2023
Q1: 142.15
Med: 323.83
Q3: 1004.83
Excellent +14 pts over 2 years

In 2023, the liquidity ratio of AVEC MON COURTIER (2577.41) 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.

Positioning of AVEC MON COURTIER in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of AVEC MON COURTIER is estimated at 166 283 € (range 60 913€ - 427 476€). 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 2023
103 transactions
60k€ 166k€ 427k€
166 283 € Range: 60 913€ - 427 476€
NAF 5 all-time

Valuation method used

Net Income Multiple
49 692 € × 3.3x = 166 284 €
Range: 60 913€ - 427 477€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare AVEC MON COURTIER with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about AVEC MON COURTIER

What is the revenue of AVEC MON COURTIER ?

The revenue of AVEC MON COURTIER is not publicly disclosed (confidential accounts filed with INPI).

Is AVEC MON COURTIER profitable?

Yes, AVEC MON COURTIER generated a net profit of 50 k€ in 2023.

Where is the headquarters of AVEC MON COURTIER ?

The headquarters of AVEC MON COURTIER is located in PLEDRAN (22960), in the department Cotes-d'Armor.

Where to find the tax return of AVEC MON COURTIER ?

The tax return of AVEC MON COURTIER 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 AVEC MON COURTIER operate?

AVEC MON COURTIER operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.