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AVEP COURTAGE : revenue, balance sheet and financial ratios

AVEP COURTAGE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75001), this company of category PME shows in 2015 a revenue of 103 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

Financial history - AVEP COURTAGE (SIREN 524008893)
Indicator 2023 2021 2020 2015
Revenue N/C N/C N/C 103 109 €
Net income 247 227 € 341 306 € 238 121 € 37 903 €
EBITDA N/C N/C N/C 53 150 €
Net margin N/C N/C N/C 36.8%

Revenue and income statement

In 2023, AVEP COURTAGE generates positive net income of 247 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2023: 38 k€ -> 247 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

247 227 €

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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 76%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 56%. 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

75.662%

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

55.957%

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

74.8%

Solvency indicators evolution
AVEP COURTAGE

Sector positioning

Debt ratio
75.66 2023
2020
2021
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average

In 2023, the debt ratio of AVEP COURTAGE (75.66) 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
55.96% 2023
2020
2021
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Good +22 pts over 3 years

In 2023, the financial autonomy of AVEP COURTAGE (56.0%) 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 1218.60. 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

1218.598

Liquidity indicators evolution
AVEP COURTAGE

Sector positioning

Liquidity ratio
1218.6 2023
2020
2021
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Excellent

In 2023, the liquidity ratio of AVEP COURTAGE (1218.60) 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.

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 (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
AVEP COURTAGE

Positioning of AVEP COURTAGE 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 AVEP COURTAGE is estimated at 497 586 € (range 235 367€ - 2 271 927€). 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
193 transactions
235k€ 497k€ 2271k€
497 586 € Range: 235 367€ - 2 271 927€
NAF 5 all-time

Valuation method used

Net Income Multiple
247 227 € × 2.0x = 497 586 €
Range: 235 368€ - 2 271 928€

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 AVEP COURTAGE with other companies in the same sector:

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

Frequently asked questions about AVEP COURTAGE

What is the revenue of AVEP COURTAGE ?

The revenue of AVEP COURTAGE in 2015 is 103 k€.

Is AVEP COURTAGE profitable?

Yes, AVEP COURTAGE generated a net profit of 247 k€ in 2023.

Where is the headquarters of AVEP COURTAGE ?

The headquarters of AVEP COURTAGE is located in PARIS (75001), in the department Paris.

Where to find the tax return of AVEP COURTAGE ?

The tax return of AVEP 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).

In which sector does AVEP COURTAGE operate?

AVEP 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.