BPIFRANCE COURTAGE : revenue, balance sheet and financial ratios

BPIFRANCE COURTAGE is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MAISONS-ALFORT (94700), this company of category GE shows in 2024 a revenue of 10.5 M€. 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 - BPIFRANCE COURTAGE (SIREN 351596572)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 10 467 468 € 10 015 563 € 9 768 797 € 8 854 362 € 8 197 306 € 7 930 435 € 7 431 337 € 7 382 530 € 7 823 087 €
Net income 1 526 435 € 1 806 280 € 2 191 406 € 1 453 581 € 1 198 114 € 1 069 904 € 1 158 837 € 1 051 020 € 1 016 533 €
EBITDA 2 539 731 € 2 542 337 € 2 668 332 € 2 042 854 € 1 431 415 € 1 604 523 € 1 656 933 € 1 676 940 € 1 714 607 €
Net margin 14.6% 18.0% 22.4% 16.4% 14.6% 13.5% 15.6% 14.2% 13.0%

Revenue and income statement

In 2024, BPIFRANCE COURTAGE achieves revenue of 10.5 M€. Revenue is growing positively over 9 years (CAGR: +3.7%). Vs 2023: +5%. After deducting consumption (0 €), gross margin stands at 10.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2.5 M€, representing 24.3% of 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 1.5 M€, i.e. 14.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

10 467 468 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

10 467 468 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

2 539 731 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 095 377 €

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

1 526 435 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

24.3%

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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 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 27%. The balance between equity and debt is satisfactory. 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 18.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

0.287%

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

27.156%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

18.828%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.003

Solvency indicators evolution
BPIFRANCE COURTAGE

Sector positioning

Debt ratio
0.29 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Good -10 pts over 3 years

In 2024, the debt ratio of BPIFRANCE COURTAGE (0.29) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
27.16% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of BPIFRANCE COURTAGE (27.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Good -13 pts over 3 years

In 2024, the repayment capacity of BPIFRANCE COURTAGE (0.00) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 105.75. 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

105.754

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
BPIFRANCE COURTAGE

Sector positioning

Liquidity ratio
105.75 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Watch

In 2024, the liquidity ratio of BPIFRANCE COURTAGE (105.75) 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
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of BPIFRANCE 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 11 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 204 days. Excellent situation: suppliers finance 193 days of the operating cycle (retail model). WCR is negative (-6 days): operations structurally generate cash.

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

-182 134 €

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

11 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

204 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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

-6 j

WCR and payment terms evolution
BPIFRANCE COURTAGE

Positioning of BPIFRANCE 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 BPIFRANCE COURTAGE is estimated at 5 236 869 € (range 1 548 050€ - 16 390 323€). With an EBITDA of 2 539 731€, 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.

Estimated enterprise value 2024
193 transactions
1548k€ 5236k€ 16390k€
5 236 869 € Range: 1 548 050€ - 16 390 323€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
2 539 731 € × 1.2x
Estimation 3 074 735 €
794 173€ - 15 694 335€
Revenue Multiple 30%
10 467 468 € × 0.98x
Estimation 10 283 536 €
2 867 737€ - 19 125 593€
Net Income Multiple 20%
1 526 435 € × 2.0x
Estimation 3 072 209 €
1 453 214€ - 14 027 391€

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 BPIFRANCE 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 BPIFRANCE COURTAGE

What is the revenue of BPIFRANCE COURTAGE ?

The revenue of BPIFRANCE COURTAGE in 2024 is 10.5 M€.

Is BPIFRANCE COURTAGE profitable?

Yes, BPIFRANCE COURTAGE generated a net profit of 1.5 M€ in 2024.

Where is the headquarters of BPIFRANCE COURTAGE ?

The headquarters of BPIFRANCE COURTAGE is located in MAISONS-ALFORT (94700), in the department Val-de-Marne.

Where to find the tax return of BPIFRANCE COURTAGE ?

The tax return of BPIFRANCE 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 BPIFRANCE COURTAGE operate?

BPIFRANCE 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.