SIREN : 389704735
CIADE COURTAGE is a French company founded 33 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COLMAR (68000), this company of category PME shows in 2024 a revenue of 187 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 186 860 € | 149 886 € | 127 497 € | 120 318 € | 124 239 € | 124 954 € | 146 687 € | 146 846 € | 145 700 € |
| Net income | 71 207 € | 30 651 € | 13 763 € | 13 119 € | 12 186 € | 31 884 € | 33 € | 17 238 € | -13 085 € |
| EBITDA | 86 344 € | 44 533 € | 18 467 € | 7 857 € | 18 260 € | 41 168 € | 199 € | 20 360 € | -14 148 € |
| Net margin | 38.1% | 20.4% | 10.8% | 10.9% | 9.8% | 25.5% | 0.0% | 11.7% | -9.0% |
In 2024, CIADE COURTAGE achieves revenue of 187 k€. Revenue is growing positively over 9 years (CAGR: +3.2%). Vs 2023, growth of +25% (150 k€ -> 187 k€). After deducting consumption (0 €), gross margin stands at 187 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 86 k€, representing 46.2% of revenue. Positive scissor effect: EBITDA margin improves by +16.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 71 k€, i.e. 38.1% of revenue. This profit can be retained or distributed to shareholders.
186 860 €
186 860 €
86 344 €
86 918 €
71 207 €
46.2%
The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 35.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
31.057%
62.56%
35.745%
0.829
10.0%
In 2024, the debt ratio of CIADE COURTAGE (31.06) 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 2024, the financial autonomy of CIADE COURTAGE (62.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of CIADE COURTAGE (0.83) 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 546.49. 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 5.6x. Operating income very largely covers interest expenses: high safety margin.
546.485
5.612
In 2024, the liquidity ratio of CIADE COURTAGE (546.49) 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.
In 2024, the interest coverage of CIADE COURTAGE (5.6x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 60 days. Favorable situation: supplier credit is longer than customer credit by 26 days. WCR is negative (-24 days): operations structurally generate cash. Over 2016-2024, WCR increased by +47%, requiring additional financing.
-12 391 €
34 j
60 j
0 j
-24 j
Based on 193 transactions of similar company sales (all years), the value of CIADE COURTAGE is estimated at 136 002 € (range 42 416€ - 500 082€). With an EBITDA of 86 344€, 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 CIADE COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CIADE COURTAGE in 2024 is 187 k€.
Yes, CIADE COURTAGE generated a net profit of 71 k€ in 2024.
The headquarters of CIADE COURTAGE is located in COLMAR (68000), in the department Haut-Rhin.
The tax return of CIADE 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).
CIADE 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.