BRETEUIL ASSURANCES COURTAGE : revenue, balance sheet and financial ratios

BRETEUIL ASSURANCES COURTAGE is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHARENTON-LE-PONT (94220), this company of category PME shows in 2024 a revenue of 229 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - BRETEUIL ASSURANCES COURTAGE (SIREN 377741798)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 229 108 € 185 436 € 720 601 € 985 830 € 1 606 616 € 2 818 299 € 3 791 459 € 4 512 056 € N/C
Net income 17 949 € -17 756 € -21 729 € 6 325 € -5 633 € 42 810 € 232 960 € 84 645 € 633 888 €
EBITDA -53 743 € -73 465 € -38 841 € -56 623 € -57 554 € -330 € 249 025 € 74 342 € -1 606 659 €
Net margin 7.8% -9.6% -3.0% 0.6% -0.4% 1.5% 6.1% 1.9% N/C

Revenue and income statement

In 2024, BRETEUIL ASSURANCES COURTAGE achieves revenue of 229 k€. Revenue is declining over the period 2017-2024 (CAGR: -34.7%). Vs 2023, growth of +24% (185 k€ -> 229 k€). After deducting consumption (0 €), gross margin stands at 229 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 -54 k€, representing -23.5% of revenue. Positive scissor effect: EBITDA margin improves by +16.2 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 18 k€, i.e. 7.8% 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

229 108 €

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

229 108 €

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

-53 743 €

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

-40 072 €

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

17 949 €

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

-23.5%

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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 33%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 40%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

32.98%

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

39.583%

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

7.834%

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

2.156

Solvency indicators evolution
BRETEUIL ASSURANCES COURTAGE

Sector positioning

Debt ratio
32.98 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +10 pts over 3 years

In 2024, the debt ratio of BRETEUIL ASSURANCES COURTAGE (32.98) 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
39.58% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -9 pts over 3 years

In 2024, the financial autonomy of BRETEUIL ASSURANCES COURTAGE (39.6%) 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
2.16 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average +50 pts over 3 years

In 2024, the repayment capacity of BRETEUIL ASSURANCES COURTAGE (2.16) 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 171.03. 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

171.026

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
BRETEUIL ASSURANCES COURTAGE

Sector positioning

Liquidity ratio
171.03 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -18 pts over 3 years

In 2024, the liquidity ratio of BRETEUIL ASSURANCES COURTAGE (171.03) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of BRETEUIL ASSURANCES 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: 499 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 839 days. Excellent situation: suppliers finance 340 days of the operating cycle (retail model). Overall, WCR represents 693 days of revenue, i.e. 441 k€ to permanently finance.

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

440 914 €

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

499 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

839 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

693 j

WCR and payment terms evolution
BRETEUIL ASSURANCES COURTAGE

Positioning of BRETEUIL ASSURANCES 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 BRETEUIL ASSURANCES COURTAGE is estimated at 149 499 € (range 44 495€ - 317 146€). 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
44k€ 149k€ 317k€
149 499 € Range: 44 495€ - 317 146€
NAF 5 all-time

Valuation detail by method

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Revenue Multiple 30%
229 108 € × 0.98x
Estimation 225 082 €
62 768€ - 418 614€
Net Income Multiple 20%
17 949 € × 2.0x
Estimation 36 125 €
17 088€ - 164 945€

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 BRETEUIL ASSURANCES 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 BRETEUIL ASSURANCES COURTAGE

What is the revenue of BRETEUIL ASSURANCES COURTAGE ?

The revenue of BRETEUIL ASSURANCES COURTAGE in 2024 is 229 k€.

Is BRETEUIL ASSURANCES COURTAGE profitable?

Yes, BRETEUIL ASSURANCES COURTAGE generated a net profit of 18 k€ in 2024.

Where is the headquarters of BRETEUIL ASSURANCES COURTAGE ?

The headquarters of BRETEUIL ASSURANCES COURTAGE is located in CHARENTON-LE-PONT (94220), in the department Val-de-Marne.

Where to find the tax return of BRETEUIL ASSURANCES COURTAGE ?

The tax return of BRETEUIL ASSURANCES 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 BRETEUIL ASSURANCES COURTAGE operate?

BRETEUIL ASSURANCES 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.