CAB COURTAGE ASSUR REASSUR : revenue, balance sheet and financial ratios

CAB COURTAGE ASSUR REASSUR is a French company founded 69 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2021 a revenue of 929 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 - CAB COURTAGE ASSUR REASSUR (SIREN 784339004)
Indicator 2021 2020 2019 2018 2017 2016
Revenue 929 439 € 921 960 € 877 335 € N/C N/C N/C
Net income -108 370 € -121 985 € -147 540 € -123 201 € -56 644 € 709 987 €
EBITDA -89 381 € -110 878 € -170 789 € -328 300 € -781 980 € -824 064 €
Net margin -11.7% -13.2% -16.8% N/C N/C N/C

Revenue and income statement

In 2021, CAB COURTAGE ASSUR REASSUR achieves revenue of 929 k€. Revenue is growing positively over 6 years (CAGR: +2.9%). Vs 2020: +1%. After deducting consumption (0 €), gross margin stands at 929 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 -89 k€, representing -9.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -108 k€ (-11.7% of revenue), which will impact equity.

Revenue (2021) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

929 439 €

Gross margin (2021) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

929 439 €

EBITDA (2021) ?
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

-89 381 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-100 286 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-108 370 €

EBITDA margin (2021) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-9.6%

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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 37%. The balance between equity and debt is satisfactory.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

40.401%

Financial autonomy (2021) ?
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

36.996%

Cash flow / Revenue (2021) ?
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

-9.066%

Repayment capacity (2021) ?
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

-2.603

Asset age ratio (2021) ?
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

51.6%

Solvency indicators evolution
CAB COURTAGE ASSUR REASSUR

Sector positioning

Debt ratio
40.4 2021
2019
2020
2021
Q1: 0.06
Med: 13.38
Q3: 70.46
Average +32 pts over 3 years

In 2021, the debt ratio of CAB COURTAGE ASSUR REASSUR (40.40) 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
37.0% 2021
2019
2020
2021
Q1: 17.05%
Med: 46.59%
Q3: 72.43%
Average -11 pts over 3 years

In 2021, the financial autonomy of CAB COURTAGE ASSUR REASSUR (37.0%) 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
-2.6 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.16 years
Q3: 2.51 years
Excellent

In 2021, the repayment capacity of CAB COURTAGE ASSUR REASSUR (-2.60) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 124.48. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 2.8x. Financial charges are adequately covered by operations.

Liquidity ratio (2021) ?
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

124.483

Interest coverage (2021) ?
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

2.827

Liquidity indicators evolution
CAB COURTAGE ASSUR REASSUR

Sector positioning

Liquidity ratio
124.48 2021
2019
2020
2021
Q1: 120.88
Med: 222.5
Q3: 473.98
Average

In 2021, the liquidity ratio of CAB COURTAGE ASSUR REASSUR (124.48) 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
2.83x 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.54x
Excellent +50 pts over 3 years

In 2021, the interest coverage of CAB COURTAGE ASSUR REASSUR (2.8x) 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. Average customer payment term: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 216 days. Excellent situation: suppliers finance 214 days of the operating cycle (retail model). WCR is negative (-8 days): operations structurally generate cash.

Operating WCR (2021) ?
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

-20 615 €

Customer credit (2021) ?
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

2 j

Supplier credit (2021) ?
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

216 j

Inventory turnover (2021) ?
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 (2021) ?
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

-8 j

WCR and payment terms evolution
CAB COURTAGE ASSUR REASSUR

Positioning of CAB COURTAGE ASSUR REASSUR in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 397 237€ to 1 794 772€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2021
Indicative
397k€ 1547k€ 1794k€
1 547 853 € Range: 397 237€ - 1 794 772€
NAF 5 année 2021

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 44 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 CAB COURTAGE ASSUR REASSUR with other companies in the same sector:

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

Frequently asked questions about CAB COURTAGE ASSUR REASSUR

What is the revenue of CAB COURTAGE ASSUR REASSUR ?

The revenue of CAB COURTAGE ASSUR REASSUR in 2021 is 929 k€.

Is CAB COURTAGE ASSUR REASSUR profitable?

CAB COURTAGE ASSUR REASSUR recorded a net loss in 2021.

Where is the headquarters of CAB COURTAGE ASSUR REASSUR ?

The headquarters of CAB COURTAGE ASSUR REASSUR is located in PARIS (75008), in the department Paris.

Where to find the tax return of CAB COURTAGE ASSUR REASSUR ?

The tax return of CAB COURTAGE ASSUR REASSUR 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 CAB COURTAGE ASSUR REASSUR operate?

CAB COURTAGE ASSUR REASSUR 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.