CABINET COURTAGE INTERNATIONAL : revenue, balance sheet and financial ratios

CABINET COURTAGE INTERNATIONAL is a French company founded 28 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75020), this company of category PME shows in 2023 a revenue of 40 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 - CABINET COURTAGE INTERNATIONAL (SIREN 414089912)
Indicator 2023 2022 2019 2018 2017 2016 2015
Revenue 39 694 € 38 645 € 45 081 € 42 390 € 41 820 € 42 692 € 44 128 €
Net income 332 € 11 191 € 882 € 5 301 € 17 555 € 16 584 € 9 388 €
EBITDA 4 544 € 14 591 € -8 € 5 833 € 20 265 € 16 286 € 11 108 €
Net margin 0.8% 29.0% 2.0% 12.5% 42.0% 38.8% 21.3%

Revenue and income statement

In 2023, CABINET COURTAGE INTERNATIONAL achieves revenue of 40 k€. Activity remains stable over the period (CAGR: -1.3%). Vs 2022: +3%. After deducting consumption (0 €), gross margin stands at 40 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 5 k€, representing 11.4% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -69%, reducing margin by 26.3 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 332 €, i.e. 0.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

39 694 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

39 694 €

EBITDA (2023) ?
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

4 544 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

2 296 €

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

332 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

11.4%

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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 56%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 32%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 18.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 9.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

55.638%

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

32.096%

Cash flow / Revenue (2023) ?
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

9.13%

Repayment capacity (2023) ?
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

18.079

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

88.0%

Solvency indicators evolution
CABINET COURTAGE INTERNATIONAL

Sector positioning

Debt ratio
55.64 2023
2019
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average +18 pts over 3 years

In 2023, the debt ratio of CABINET COURTAGE INTERNAT... (55.64) 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
32.1% 2023
2019
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Average +12 pts over 3 years

In 2023, the financial autonomy of CABINET COURTAGE INTERNAT... (32.1%) 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
18.08 years 2023
2019
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Watch

In 2023, the repayment capacity of CABINET COURTAGE INTERNAT... (18.08) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 759.99. 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 49.9x. Operating income very largely covers interest expenses: high safety margin.

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

759.988

Interest coverage (2023) ?
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

49.934

Liquidity indicators evolution
CABINET COURTAGE INTERNATIONAL

Sector positioning

Liquidity ratio
759.99 2023
2019
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Excellent

In 2023, the liquidity ratio of CABINET COURTAGE INTERNAT... (759.99) 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.

Interest coverage
49.93x 2023
2019
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Excellent +57 pts over 3 years

In 2023, the interest coverage of CABINET COURTAGE INTERNAT... (49.9x) 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: 504 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 142 days. The gap of 362 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 585 days of revenue, i.e. 64 k€ to permanently finance. Over 2015-2023, WCR increased by +47536%, requiring additional financing.

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

64 472 €

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

504 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

142 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 in days of revenue (2023) ?
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

585 j

WCR and payment terms evolution
CABINET COURTAGE INTERNATIONAL

Positioning of CABINET COURTAGE INTERNATIONAL 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 CABINET COURTAGE INTERNATIONAL is estimated at 14 583 € (range 4 036€ - 36 408€). With an EBITDA of 4 544€, 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 2023
193 transactions
4k€ 14k€ 36k€
14 583 € Range: 4 036€ - 36 408€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
4 544 € × 1.2x
Estimation 5 501 €
1 421€ - 28 080€
Revenue Multiple 30%
39 694 € × 0.98x
Estimation 38 997 €
10 875€ - 72 527€
Net Income Multiple 20%
332 € × 2.0x
Estimation 668 €
316€ - 3 051€

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 CABINET COURTAGE INTERNATIONAL with other companies in the same sector:

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

Frequently asked questions about CABINET COURTAGE INTERNATIONAL

What is the revenue of CABINET COURTAGE INTERNATIONAL ?

The revenue of CABINET COURTAGE INTERNATIONAL in 2023 is 40 k€.

Is CABINET COURTAGE INTERNATIONAL profitable?

Yes, CABINET COURTAGE INTERNATIONAL generated a net profit of 332€ in 2023.

Where is the headquarters of CABINET COURTAGE INTERNATIONAL ?

The headquarters of CABINET COURTAGE INTERNATIONAL is located in PARIS (75020), in the department Paris.

Where to find the tax return of CABINET COURTAGE INTERNATIONAL ?

The tax return of CABINET COURTAGE INTERNATIONAL 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 CABINET COURTAGE INTERNATIONAL operate?

CABINET COURTAGE INTERNATIONAL 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.