COURTAGE ASSURANCES TRANSEUROPEEN : revenue, balance sheet and financial ratios

COURTAGE ASSURANCES TRANSEUROPEEN is a French company founded 37 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 8.9 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 - COURTAGE ASSURANCES TRANSEUROPEEN (SIREN 350894846)
Indicator 2024 2018 2017 2016
Revenue 8 910 169 € N/C 4 146 946 € 3 795 853 €
Net income 1 768 833 € 31 106 € 1 634 € 1 934 €
EBITDA 2 466 428 € N/C 6 056 € -17 488 €
Net margin 19.9% N/C 0.0% 0.1%

Revenue and income statement

In 2024, COURTAGE ASSURANCES TRANSEUROPEEN achieves revenue of 8.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.3%. After deducting consumption (0 €), gross margin stands at 8.9 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 2.5 M€, representing 27.7% 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 1.8 M€, i.e. 19.9% 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

8 910 169 €

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

8 910 169 €

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

2 466 428 €

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

2 341 925 €

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

1 768 833 €

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

27.7%

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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 20%. 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 9%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 21.8% 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

19.87%

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

8.552%

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

21.802%

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

0.241

Asset age ratio (2024) ?
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

60.8%

Solvency indicators evolution
COURTAGE ASSURANCES TRANSEUROPEEN

Sector positioning

Debt ratio
19.87 2024
2017
2018
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average -18 pts over 3 years

In 2024, the debt ratio of COURTAGE ASSURANCES TRANS... (19.87) 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
8.55% 2024
2017
2018
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average

In 2024, the financial autonomy of COURTAGE ASSURANCES TRANS... (8.6%) 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
0.24 years 2024
2017
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average -23 pts over 2 years

In 2024, the repayment capacity of COURTAGE ASSURANCES TRANS... (0.24) 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 105.99. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.

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

105.992

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

0.032

Liquidity indicators evolution
COURTAGE ASSURANCES TRANSEUROPEEN

Sector positioning

Liquidity ratio
105.99 2024
2017
2018
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Watch

In 2024, the liquidity ratio of COURTAGE ASSURANCES TRANS... (105.99) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
0.03x 2024
2017
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +25 pts over 2 years

In 2024, the interest coverage of COURTAGE ASSURANCES TRANS... (0.0x) 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: 628 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1920 days. Excellent situation: suppliers finance 1292 days of the operating cycle (retail model). Overall, WCR represents 563 days of revenue, i.e. 13.9 M€ to permanently finance. Over 2016-2024, WCR increased by +201%, requiring additional financing.

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

13 938 266 €

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

628 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

1920 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

563 j

WCR and payment terms evolution
COURTAGE ASSURANCES TRANSEUROPEEN

Positioning of COURTAGE ASSURANCES TRANSEUROPEEN 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 COURTAGE ASSURANCES TRANSEUROPEEN is estimated at 4 831 090 € (range 1 454 749€ - 15 755 721€). With an EBITDA of 2 466 428€, 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
1454k€ 4831k€ 15755k€
4 831 090 € Range: 1 454 749€ - 15 755 721€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 466 428 € × 1.2x
Estimation 2 985 990 €
771 251€ - 15 241 358€
Revenue Multiple 30%
8 910 169 € × 0.98x
Estimation 8 753 601 €
2 441 089€ - 16 280 180€
Net Income Multiple 20%
1 768 833 € × 2.0x
Estimation 3 560 076 €
1 683 985€ - 16 254 942€

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 COURTAGE ASSURANCES TRANSEUROPEEN with other companies in the same sector:

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

Frequently asked questions about COURTAGE ASSURANCES TRANSEUROPEEN

What is the revenue of COURTAGE ASSURANCES TRANSEUROPEEN ?

The revenue of COURTAGE ASSURANCES TRANSEUROPEEN in 2024 is 8.9 M€.

Is COURTAGE ASSURANCES TRANSEUROPEEN profitable?

Yes, COURTAGE ASSURANCES TRANSEUROPEEN generated a net profit of 1.8 M€ in 2024.

Where is the headquarters of COURTAGE ASSURANCES TRANSEUROPEEN ?

The headquarters of COURTAGE ASSURANCES TRANSEUROPEEN is located in PARIS (75008), in the department Paris.

Where to find the tax return of COURTAGE ASSURANCES TRANSEUROPEEN ?

The tax return of COURTAGE ASSURANCES TRANSEUROPEEN 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 COURTAGE ASSURANCES TRANSEUROPEEN operate?

COURTAGE ASSURANCES TRANSEUROPEEN 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.