Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

COGEP-COURTAGE : revenue, balance sheet and financial ratios

COGEP-COURTAGE is a French company founded 5 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-DOULCHARD (18230), this company of category PME shows in 2024 a net income positive of 144 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 - COGEP-COURTAGE (SIREN 897963583)
Indicator 2024 2022
Revenue N/C N/C
Net income 144 166 € 7 698 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2024, COGEP-COURTAGE generates positive net income of 144 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2022-2024: 8 k€ -> 144 k€.

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

144 166 €

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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 5976%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

5976.284%

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

1.45%

Solvency indicators evolution
COGEP-COURTAGE

Sector positioning

Debt ratio
5976.28 2024
2022
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Watch +55 pts over 2 years

In 2024, the debt ratio of COGEP-COURTAGE (5976.28) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
1.45% 2024
2022
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average

In 2024, the financial autonomy of COGEP-COURTAGE (1.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 828.26. 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

828.256

Liquidity indicators evolution
COGEP-COURTAGE

Sector positioning

Liquidity ratio
828.26 2024
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Excellent

In 2024, the liquidity ratio of COGEP-COURTAGE (828.26) 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.

Positioning of COGEP-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 COGEP-COURTAGE is estimated at 290 158 € (range 137 250€ - 1 324 833€). 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
137k€ 290k€ 1324k€
290 158 € Range: 137 250€ - 1 324 833€
NAF 5 all-time

Valuation method used

Net Income Multiple
144 166 € × 2.0x = 290 159 €
Range: 137 251€ - 1 324 834€

Only this financial indicator is available for this company.

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 COGEP-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 COGEP-COURTAGE

What is the revenue of COGEP-COURTAGE ?

The revenue of COGEP-COURTAGE is not publicly disclosed (confidential accounts filed with INPI).

Is COGEP-COURTAGE profitable?

Yes, COGEP-COURTAGE generated a net profit of 144 k€ in 2024.

Where is the headquarters of COGEP-COURTAGE ?

The headquarters of COGEP-COURTAGE is located in SAINT-DOULCHARD (18230), in the department Cher.

Where to find the tax return of COGEP-COURTAGE ?

The tax return of COGEP-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 COGEP-COURTAGE operate?

COGEP-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.