CAP PROJETS COURTAGE : revenue, balance sheet and financial ratios

CAP PROJETS COURTAGE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ASNIERES-SUR-SEINE (92600), this company of category PME shows in 2024 a revenue of 54 k€. 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 - CAP PROJETS COURTAGE (SIREN 499945798)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016 2015
Revenue 53 768 € 40 663 € 41 172 € 20 868 € 13 362 € 20 472 € 28 864 € 34 681 € 15 391 €
Net income 21 764 € 29 464 € 28 795 € 13 473 € 6 580 € 12 825 € 20 198 € 23 705 € 5 838 €
EBITDA 37 486 € 34 707 € 37 597 € 16 057 € 8 154 € 15 172 € 23 633 € 26 908 € 7 090 €
Net margin 40.5% 72.5% 69.9% 64.6% 49.2% 62.6% 70.0% 68.4% 37.9%

Revenue and income statement

In 2024, CAP PROJETS COURTAGE achieves revenue of 54 k€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.9%. Vs 2023, growth of +32% (41 k€ -> 54 k€). After deducting consumption (0 €), gross margin stands at 54 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 37 k€, representing 69.7% of revenue. Warning negative scissor effect: despite revenue change (+32%), EBITDA varies by +8%, reducing margin by 15.6 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 22 k€, i.e. 40.5% 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

53 768 €

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

53 768 €

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

37 486 €

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

24 867 €

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

21 764 €

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

69.7%

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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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 63.9% 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

0.0%

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

0.0%

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

63.941%

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

0.0

Solvency indicators evolution
CAP PROJETS COURTAGE

Sector positioning

Debt ratio
0.0 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Excellent

In 2024, the debt ratio of CAP PROJETS COURTAGE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2024
2021
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of CAP PROJETS COURTAGE (0.0%) 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
0.0 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of CAP PROJETS COURTAGE (0.00) 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 430.75. 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 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.

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

430.75

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

0.384

Liquidity indicators evolution
CAP PROJETS COURTAGE

Sector positioning

Liquidity ratio
430.75 2024
2021
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good -11 pts over 3 years

In 2024, the liquidity ratio of CAP PROJETS COURTAGE (430.75) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.38x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good

In 2024, the interest coverage of CAP PROJETS COURTAGE (0.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 97 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 200 days. Excellent situation: suppliers finance 103 days of the operating cycle (retail model). WCR is negative (-54 days): operations structurally generate cash. Notable WCR improvement over the period (-193%), freeing up 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

-8 012 €

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

97 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

200 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

-54 j

WCR and payment terms evolution
CAP PROJETS COURTAGE

Positioning of CAP PROJETS 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 CAP PROJETS COURTAGE is estimated at 47 298 € (range 14 424€ - 185 296€). With an EBITDA of 37 486€, 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
14k€ 47k€ 185k€
47 298 € Range: 14 424€ - 185 296€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
37 486 € × 1.2x
Estimation 45 383 €
11 722€ - 231 646€
Revenue Multiple 30%
53 768 € × 0.98x
Estimation 52 823 €
14 731€ - 98 242€
Net Income Multiple 20%
21 764 € × 2.0x
Estimation 43 804 €
20 720€ - 200 003€

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 CAP PROJETS 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 CAP PROJETS COURTAGE

What is the revenue of CAP PROJETS COURTAGE ?

The revenue of CAP PROJETS COURTAGE in 2024 is 54 k€.

Is CAP PROJETS COURTAGE profitable?

Yes, CAP PROJETS COURTAGE generated a net profit of 22 k€ in 2024.

Where is the headquarters of CAP PROJETS COURTAGE ?

The headquarters of CAP PROJETS COURTAGE is located in ASNIERES-SUR-SEINE (92600), in the department Hauts-de-Seine.

Where to find the tax return of CAP PROJETS COURTAGE ?

The tax return of CAP PROJETS 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 CAP PROJETS COURTAGE operate?

CAP PROJETS 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.