SIREN : 492959945
CBL COURTAGE is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LEVALLOIS-PERRET (92300), this company of category PME shows in 2023 a revenue of 376 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 375 616 € | 358 812 € | 395 801 € | 353 727 € | 387 039 € | 395 931 € | 431 393 € | 442 320 € |
| Net income | 16 893 € | 265 € | 23 808 € | 7 611 € | -1 752 € | 4 390 € | -1 149 € | -1 192 € |
| EBITDA | 16 746 € | -3 669 € | 23 839 € | -3 732 € | -5 753 € | 452 € | -6 124 € | -3 994 € |
| Net margin | 4.5% | 0.1% | 6.0% | 2.2% | -0.5% | 1.1% | -0.3% | -0.3% |
In 2023, CBL COURTAGE achieves revenue of 376 k€. Activity remains stable over the period (CAGR: -2.3%). Vs 2022: +5%. After deducting consumption (0 €), gross margin stands at 376 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 17 k€, representing 4.5% of revenue. Positive scissor effect: EBITDA margin improves by +5.5 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 17 k€, i.e. 4.5% of revenue. This profit can be retained or distributed to shareholders.
375 616 €
375 616 €
16 746 €
22 277 €
16 893 €
4.5%
The debt ratio (= Financial debt / Equity x 100) stands at 25%. 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 22%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 3.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
24.696%
22.387%
3.028%
1.276
In 2023, the debt ratio of CBL COURTAGE (24.70) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of CBL COURTAGE (22.4%) 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 2023, the repayment capacity of CBL COURTAGE (1.28) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 135.05. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
135.052
0.0
In 2023, the liquidity ratio of CBL COURTAGE (135.05) 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 2023, the interest coverage of CBL 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 69 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 592 days. Excellent situation: suppliers finance 523 days of the operating cycle (retail model). Overall, WCR represents 64 days of revenue, i.e. 67 k€ to permanently finance. Over 2016-2023, WCR increased by +120%, requiring additional financing.
66 905 €
69 j
592 j
0 j
64 j
Based on 193 transactions of similar company sales (all years), the value of CBL COURTAGE is estimated at 127 641 € (range 36 706€ - 288 680€). With an EBITDA of 16 746€, 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 CBL COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CBL COURTAGE in 2023 is 376 k€.
Yes, CBL COURTAGE generated a net profit of 17 k€ in 2023.
The headquarters of CBL COURTAGE is located in LEVALLOIS-PERRET (92300), in the department Hauts-de-Seine.
The tax return of CBL 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).
CBL 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.