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CONSEIL COURTAGE EN ASSUR LYON - CCAL : revenue, balance sheet and financial ratios

CONSEIL COURTAGE EN ASSUR LYON - CCAL is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VILLEURBANNE (69100), this company of category PME shows in 2023 a revenue of 744 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 - CONSEIL COURTAGE EN ASSUR LYON - CCAL (SIREN 482594611)
Indicator 2023
Revenue 744 000 €
Net income 134 248 €
EBITDA 202 807 €
Net margin 18.0%

Revenue and income statement

In 2023, CONSEIL COURTAGE EN ASSUR LYON - CCAL achieves revenue of 744 k€. After deducting consumption (0 €), gross margin stands at 744 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 203 k€, representing 27.3% 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 134 k€, i.e. 18.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

744 000 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

744 000 €

EBITDA (2023) ?
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

202 807 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

190 385 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

134 248 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

27.3%

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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 47%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 3.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 19.6% 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 (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

46.505%

Financial autonomy (2023) ?
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

50.336%

Cash flow / Revenue (2023) ?
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

19.617%

Repayment capacity (2023) ?
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

3.005

Asset age ratio (2023) ?
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

34.0%

Solvency indicators evolution
CONSEIL COURTAGE EN ASSUR LYON - CCAL

Sector positioning

Debt ratio
46.51 2023
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Average

In 2023, the debt ratio of CONSEIL COURTAGE EN ASSUR... (46.51) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
50.34% 2023
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Good

In 2023, the financial autonomy of CONSEIL COURTAGE EN ASSUR... (50.3%) 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.

Repayment capacity
3.0 years 2023
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Average

In 2023, the repayment capacity of CONSEIL COURTAGE EN ASSUR... (3.00) 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 327.97. 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 8.2x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2023) ?
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

327.971

Interest coverage (2023) ?
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

8.24

Liquidity indicators evolution
CONSEIL COURTAGE EN ASSUR LYON - CCAL

Sector positioning

Liquidity ratio
327.97 2023
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Good

In 2023, the liquidity ratio of CONSEIL COURTAGE EN ASSUR... (327.97) 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
8.24x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Excellent

In 2023, the interest coverage of CONSEIL COURTAGE EN ASSUR... (8.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 31 days. Favorable situation: supplier credit is longer than customer credit by 22 days. WCR is negative (-190 days): operations structurally generate cash.

Operating WCR (2023) ?
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

-393 018 €

Customer credit (2023) ?
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

9 j

Supplier credit (2023) ?
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

31 j

Inventory turnover (2023) ?
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 (2023) ?
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

-190 j

WCR and payment terms evolution
CONSEIL COURTAGE EN ASSUR LYON - CCAL

Positioning of CONSEIL COURTAGE EN ASSUR LYON - CCAL 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 CONSEIL COURTAGE EN ASSUR LYON - CCAL is estimated at 396 081 € (range 118 419€ - 1 281 182€). With an EBITDA of 202 807€, 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 2023
193 transactions
118k€ 396k€ 1281k€
396 081 € Range: 118 419€ - 1 281 182€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
202 807 € × 1.2x
Estimation 245 529 €
63 418€ - 1 253 251€
Revenue Multiple 30%
744 000 € × 0.98x
Estimation 730 927 €
203 831€ - 1 359 397€
Net Income Multiple 20%
134 248 € × 2.0x
Estimation 270 197 €
127 808€ - 1 233 691€
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 CONSEIL COURTAGE EN ASSUR LYON - CCAL with other companies in the same sector:

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

Frequently asked questions about CONSEIL COURTAGE EN ASSUR LYON - CCAL

What is the revenue of CONSEIL COURTAGE EN ASSUR LYON - CCAL ?

The revenue of CONSEIL COURTAGE EN ASSUR LYON - CCAL in 2023 is 744 k€.

Is CONSEIL COURTAGE EN ASSUR LYON - CCAL profitable?

Yes, CONSEIL COURTAGE EN ASSUR LYON - CCAL generated a net profit of 134 k€ in 2023.

Where is the headquarters of CONSEIL COURTAGE EN ASSUR LYON - CCAL ?

The headquarters of CONSEIL COURTAGE EN ASSUR LYON - CCAL is located in VILLEURBANNE (69100), in the department Rhone.

Where to find the tax return of CONSEIL COURTAGE EN ASSUR LYON - CCAL ?

The tax return of CONSEIL COURTAGE EN ASSUR LYON - CCAL 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 CONSEIL COURTAGE EN ASSUR LYON - CCAL operate?

CONSEIL COURTAGE EN ASSUR LYON - CCAL 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.