SIREN : 501491526
CMI COURTAGE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in RUEIL-MALMAISON (92500), this company of category ETI shows in 2019 a revenue of 2.4 M€. 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 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|
| Revenue | 2 357 836 € | 2 686 674 € | 2 021 755 € | 1 750 500 € | 1 639 686 € | 1 663 545 € |
| Net income | 1 383 837 € | 1 493 322 € | 1 112 315 € | 918 420 € | 582 882 € | 434 307 € |
| EBITDA | 2 000 367 € | 2 268 090 € | 1 625 236 € | 1 277 747 € | 920 758 € | 794 154 € |
| Net margin | 58.7% | 55.6% | 55.0% | 52.5% | 35.5% | 26.1% |
In 2019, CMI COURTAGE achieves revenue of 2.4 M€. Over the period 2014-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +7.2%. Significant drop of -12% vs 2018. After deducting consumption (0 €), gross margin stands at 2.4 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 2.0 M€, representing 84.8% of 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 1.4 M€, i.e. 58.7% of revenue. This profit can be retained or distributed to shareholders.
2 357 836 €
2 357 836 €
2 000 367 €
1 991 205 €
1 383 837 €
84.8%
The debt ratio (= Financial debt / Equity x 100) stands at 84%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 44%. 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 1.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 58.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
83.558%
44.02%
58.904%
0.972
In 2019, the debt ratio of CMI COURTAGE (83.56) 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 2019, the financial autonomy of CMI COURTAGE (44.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2019, the repayment capacity of CMI COURTAGE (0.97) 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 516.33. 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 0.5x. Danger: operating income does not cover interest charges, unsustainable situation.
516.33
0.484
In 2019, the liquidity ratio of CMI COURTAGE (516.33) 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.
In 2019, the interest coverage of CMI COURTAGE (0.5x) 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: 33 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1386 days. Excellent situation: suppliers finance 1353 days of the operating cycle (retail model). Overall, WCR represents 8 days of revenue, i.e. 49 k€ to permanently finance. Notable WCR improvement over the period (-97%), freeing up cash.
49 184 €
33 j
1386 j
0 j
8 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 955 980€ to 6 740 013€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 CMI COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CMI COURTAGE in 2019 is 2.4 M€.
Yes, CMI COURTAGE generated a net profit of 1.4 M€ in 2019.
The headquarters of CMI COURTAGE is located in RUEIL-MALMAISON (92500), in the department Hauts-de-Seine.
The tax return of CMI 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).
CMI 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.