COMPAGNIE COURTAGE INTER EUROPE - C.I.E : revenue, balance sheet and financial ratios

COMPAGNIE COURTAGE INTER EUROPE - C.I.E is a French company founded 49 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COURBEVOIE (92400), this company of category PME shows in 2016 a revenue of 279 k€. 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 - COMPAGNIE COURTAGE INTER EUROPE - C.I.E (SIREN 310047162)
Indicator 2016 2015
Revenue 278 523 € 304 677 €
Net income 65 188 € 31 388 €
EBITDA 69 745 € 39 044 €
Net margin 23.4% 10.3%

Revenue and income statement

In 2016, COMPAGNIE COURTAGE INTER EUROPE - C.I.E achieves revenue of 279 k€. Slight decline of -9% vs 2015. After deducting consumption (0 €), gross margin stands at 279 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 70 k€, representing 25.0% of revenue. Positive scissor effect: EBITDA margin improves by +12.2 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 65 k€, i.e. 23.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

278 523 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

278 523 €

EBITDA (2016) ?
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

69 745 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

66 628 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

65 188 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

25.0%

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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 4%. 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 86%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 24.5% 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 (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

4.33%

Financial autonomy (2016) ?
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

85.526%

Cash flow / Revenue (2016) ?
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

24.471%

Repayment capacity (2016) ?
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

0.35

Asset age ratio (2016) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

7.3%

Solvency indicators evolution
COMPAGNIE COURTAGE INTER EUROPE - C.I.E

Sector positioning

Debt ratio
4.33 2016
2015
2016
Q1: 0.0
Med: 7.68
Q3: 53.85
Good -14 pts over 2 years

In 2016, the debt ratio of COMPAGNIE COURTAGE INTER ... (4.33) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
85.53% 2016
2015
2016
Q1: 11.73%
Med: 42.73%
Q3: 70.68%
Excellent

In 2016, the financial autonomy of COMPAGNIE COURTAGE INTER ... (85.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.35 years 2016
2015
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Average -20 pts over 2 years

In 2016, the repayment capacity of COMPAGNIE COURTAGE INTER ... (0.35) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 263.44. 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 1.0x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2016) ?
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

263.441

Interest coverage (2016) ?
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

0.985

Liquidity indicators evolution
COMPAGNIE COURTAGE INTER EUROPE - C.I.E

Sector positioning

Liquidity ratio
263.44 2016
2015
2016
Q1: 106.42
Med: 191.18
Q3: 431.71
Good

In 2016, the liquidity ratio of COMPAGNIE COURTAGE INTER ... (263.44) 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.

Interest coverage
0.98x 2016
2015
2016
Q1: 0.0x
Med: 0.0x
Q3: 3.01x
Good -15 pts over 2 years

In 2016, the interest coverage of COMPAGNIE COURTAGE INTER ... (1.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 54 days. Excellent situation: suppliers finance 54 days of the operating cycle (retail model). WCR is negative (-17 days): operations structurally generate cash.

Operating WCR (2016) ?
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

-12 857 €

Customer credit (2016) ?
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

0 j

Supplier credit (2016) ?
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

54 j

Inventory turnover (2016) ?
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 (2016) ?
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

-17 j

WCR and payment terms evolution
COMPAGNIE COURTAGE INTER EUROPE - C.I.E

Positioning of COMPAGNIE COURTAGE INTER EUROPE - C.I.E 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 COMPAGNIE COURTAGE INTER EUROPE - C.I.E is estimated at 150 547 € (range 46 208€ - 487 977€). With an EBITDA of 69 745€, 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 2016
193 transactions
46k€ 150k€ 487k€
150 547 € Range: 46 208€ - 487 977€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
69 745 € × 1.2x
Estimation 84 437 €
21 809€ - 430 991€
Revenue Multiple 30%
278 523 € × 0.98x
Estimation 273 629 €
76 306€ - 508 902€
Net Income Multiple 20%
65 188 € × 2.0x
Estimation 131 202 €
62 061€ - 599 054€

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 COMPAGNIE COURTAGE INTER EUROPE - C.I.E with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about COMPAGNIE COURTAGE INTER EUROPE - C.I.E

What is the revenue of COMPAGNIE COURTAGE INTER EUROPE - C.I.E ?

The revenue of COMPAGNIE COURTAGE INTER EUROPE - C.I.E in 2016 is 279 k€.

Is COMPAGNIE COURTAGE INTER EUROPE - C.I.E profitable?

Yes, COMPAGNIE COURTAGE INTER EUROPE - C.I.E generated a net profit of 65 k€ in 2016.

Where is the headquarters of COMPAGNIE COURTAGE INTER EUROPE - C.I.E ?

The headquarters of COMPAGNIE COURTAGE INTER EUROPE - C.I.E is located in COURBEVOIE (92400), in the department Hauts-de-Seine.

Where to find the tax return of COMPAGNIE COURTAGE INTER EUROPE - C.I.E ?

The tax return of COMPAGNIE COURTAGE INTER EUROPE - C.I.E 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 COMPAGNIE COURTAGE INTER EUROPE - C.I.E operate?

COMPAGNIE COURTAGE INTER EUROPE - C.I.E 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.