SIREN : 428681985
CAMCA COURTAGE is a French company founded 26 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category GE shows in 2024 a revenue of 24.2 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 24 229 261 € | 33 684 117 € | 22 274 253 € | 18 551 625 € | 17 659 342 € | 17 132 756 € | 15 127 697 € | 13 912 121 € | N/C |
| Net income | 3 904 446 € | 8 908 578 € | 7 234 547 € | 5 411 816 € | 4 799 250 € | 5 148 228 € | 4 282 688 € | 4 211 282 € | 689 810 € |
| EBITDA | 5 284 078 € | 13 465 364 € | 10 498 936 € | 8 290 676 € | 7 375 435 € | 8 096 068 € | 6 892 926 € | 6 466 007 € | -3 615 591 € |
| Net margin | 16.1% | 26.4% | 32.5% | 29.2% | 27.2% | 30.0% | 28.3% | 30.3% | N/C |
In 2024, CAMCA COURTAGE achieves revenue of 24.2 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.2%. Significant drop of -28% vs 2023. After deducting consumption (0 €), gross margin stands at 24.2 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 5.3 M€, representing 21.8% of revenue. Warning negative scissor effect: despite revenue change (-28%), EBITDA varies by -61%, reducing margin by 18.2 pts. This reflects costs rising faster than 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 3.9 M€, i.e. 16.1% of revenue. This profit can be retained or distributed to shareholders.
24 229 261 €
24 229 261 €
5 284 078 €
4 430 469 €
3 904 446 €
21.8%
The debt ratio (= Financial debt / Equity x 100) stands at 283%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 7%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 19.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
283.334%
7.137%
19.678%
4.325
In 2024, the debt ratio of CAMCA COURTAGE (283.33) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of CAMCA COURTAGE (7.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of CAMCA COURTAGE (4.33) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 137.02. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
137.016
0.002
In 2024, the liquidity ratio of CAMCA COURTAGE (137.02) 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.
In 2024, the interest coverage of CAMCA COURTAGE (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 220 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 769 days. Excellent situation: suppliers finance 549 days of the operating cycle (retail model). Overall, WCR represents 103 days of revenue, i.e. 6.9 M€ to permanently finance.
6 910 428 €
220 j
769 j
0 j
103 j
Based on 193 transactions of similar company sales (all years), the value of CAMCA COURTAGE is estimated at 11 911 318 € (range 3 560 998€ - 36 783 762€). With an EBITDA of 5 284 078€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare CAMCA COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CAMCA COURTAGE in 2024 is 24.2 M€.
Yes, CAMCA COURTAGE generated a net profit of 3.9 M€ in 2024.
The headquarters of CAMCA COURTAGE is located in PARIS (75008), in the department Paris.
The tax return of CAMCA 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).
CAMCA 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.