CO ASSUR CONSEIL ASSURANCES COURTAGE : revenue, balance sheet and financial ratios

CO ASSUR CONSEIL ASSURANCES COURTAGE is a French company founded 36 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS 13 (75013), this company of category GE shows in 2024 a revenue of 2.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CO ASSUR CONSEIL ASSURANCES COURTAGE (SIREN 351825146)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 320 234 € 2 153 437 € 2 265 763 € 2 202 058 € 2 421 312 € 2 715 625 € 2 850 879 € 2 967 470 € N/C
Net income 436 332 € 782 076 € 881 222 € 816 583 € 970 843 € 1 142 112 € 1 205 334 € 1 332 531 € 1 293 077 €
EBITDA 555 193 € 1 014 513 € 1 145 132 € 1 076 182 € 1 326 547 € 1 602 114 € 1 735 504 € 1 954 532 € 964 020 €
Net margin 18.8% 36.3% 38.9% 37.1% 40.1% 42.1% 42.3% 44.9% N/C

Revenue and income statement

In 2024, CO ASSUR CONSEIL ASSURANCES COURTAGE achieves revenue of 2.3 M€. Activity remains stable over the period (CAGR: -3.5%). Vs 2023: +8%. After deducting consumption (0 €), gross margin stands at 2.3 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 555 k€, representing 23.9% of revenue. Warning negative scissor effect: despite revenue change (+8%), EBITDA varies by -45%, reducing margin by 23.2 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 436 k€, i.e. 18.8% 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

2 320 234 €

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

2 320 234 €

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

555 193 €

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

581 776 €

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

436 332 €

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

23.9%

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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 26%. The balance between equity and debt is satisfactory. Cash flow represents 18.8% 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

25.532%

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

18.806%

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
CO ASSUR CONSEIL ASSURANCES COURTAGE

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent

In 2024, the debt ratio of CO ASSUR CONSEIL ASSURANC... (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
25.53% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -7 pts over 3 years

In 2024, the financial autonomy of CO ASSUR CONSEIL ASSURANC... (25.5%) 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
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of CO ASSUR CONSEIL ASSURANC... (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 134.28. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

134.285

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

0.0

Liquidity indicators evolution
CO ASSUR CONSEIL ASSURANCES COURTAGE

Sector positioning

Liquidity ratio
134.28 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -6 pts over 3 years

In 2024, the liquidity ratio of CO ASSUR CONSEIL ASSURANC... (134.28) 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.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of CO ASSUR CONSEIL ASSURANC... (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) and payment terms

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: 253 days. Excellent situation: suppliers finance 184 days of the operating cycle (retail model). Overall, WCR represents 101 days of revenue, i.e. 650 k€ to permanently finance.

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

649 550 €

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

69 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

253 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

101 j

WCR and payment terms evolution
CO ASSUR CONSEIL ASSURANCES COURTAGE

Positioning of CO ASSUR CONSEIL ASSURANCES 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 CO ASSUR CONSEIL ASSURANCES COURTAGE is estimated at 1 195 550 € (range 360 584€ - 3 789 183€). With an EBITDA of 555 193€, 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
360k€ 1195k€ 3789k€
1 195 550 € Range: 360 584€ - 3 789 183€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
555 193 € × 1.2x
Estimation 672 146 €
173 609€ - 3 430 830€
Revenue Multiple 30%
2 320 234 € × 0.98x
Estimation 2 279 463 €
635 667€ - 4 239 406€
Net Income Multiple 20%
436 332 € × 2.0x
Estimation 878 192 €
415 402€ - 4 009 735€

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 CO ASSUR CONSEIL ASSURANCES 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 CO ASSUR CONSEIL ASSURANCES COURTAGE

What is the revenue of CO ASSUR CONSEIL ASSURANCES COURTAGE ?

The revenue of CO ASSUR CONSEIL ASSURANCES COURTAGE in 2024 is 2.3 M€.

Is CO ASSUR CONSEIL ASSURANCES COURTAGE profitable?

Yes, CO ASSUR CONSEIL ASSURANCES COURTAGE generated a net profit of 436 k€ in 2024.

Where is the headquarters of CO ASSUR CONSEIL ASSURANCES COURTAGE ?

The headquarters of CO ASSUR CONSEIL ASSURANCES COURTAGE is located in PARIS 13 (75013), in the department Paris.

Where to find the tax return of CO ASSUR CONSEIL ASSURANCES COURTAGE ?

The tax return of CO ASSUR CONSEIL ASSURANCES 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 CO ASSUR CONSEIL ASSURANCES COURTAGE operate?

CO ASSUR CONSEIL ASSURANCES 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.