COURTAGE CONSEIL GESTION D ASSURANCES : revenue, balance sheet and financial ratios

COURTAGE CONSEIL GESTION D ASSURANCES is a French company founded 44 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in WASQUEHAL (59290), this company of category ETI shows in 2024 a revenue of 3.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - COURTAGE CONSEIL GESTION D ASSURANCES (SIREN 326625290)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 3 262 561 € 2 800 961 € 2 779 571 € 2 650 888 € 2 631 782 € 2 608 848 € 2 386 554 € 2 076 645 € 1 906 119 €
Net income 1 418 346 € 1 121 108 € 1 044 723 € 959 854 € 925 751 € 873 238 € 812 136 € 653 699 € 398 927 €
EBITDA 1 598 826 € 1 222 925 € 1 115 522 € 1 074 925 € 1 048 894 € 952 457 € 864 550 € 590 415 € 335 182 €
Net margin 43.5% 40.0% 37.6% 36.2% 35.2% 33.5% 34.0% 31.5% 20.9%

Revenue and income statement

In 2024, COURTAGE CONSEIL GESTION D ASSURANCES achieves revenue of 3.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.9%. Vs 2023, growth of +16% (2.8 M€ -> 3.3 M€). After deducting consumption (0 €), gross margin stands at 3.3 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 1.6 M€, representing 49.0% of revenue. Positive scissor effect: EBITDA margin improves by +5.3 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 1.4 M€, i.e. 43.5% 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

3 262 561 €

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

3 262 561 €

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

1 598 826 €

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

1 845 734 €

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

1 418 346 €

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

48.9%

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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 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 35.5% 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 (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

32.054%

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

37.454%

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

35.52%

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

0.409

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

31.0%

Solvency indicators evolution
COURTAGE CONSEIL GESTION D ASSURANCES

Sector positioning

Debt ratio
32.05 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +6 pts over 3 years

In 2024, the debt ratio of COURTAGE CONSEIL GESTION ... (32.05) 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
37.45% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -8 pts over 3 years

In 2024, the financial autonomy of COURTAGE CONSEIL GESTION ... (37.5%) 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
0.41 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of COURTAGE CONSEIL GESTION ... (0.41) 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 196.02. 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

196.023

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
COURTAGE CONSEIL GESTION D ASSURANCES

Sector positioning

Liquidity ratio
196.02 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average -12 pts over 3 years

In 2024, the liquidity ratio of COURTAGE CONSEIL GESTION ... (196.02) 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 COURTAGE CONSEIL GESTION ... (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: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 76 days. Favorable situation: supplier credit is longer than customer credit by 25 days. WCR is negative (-35 days): operations structurally generate cash. Notable WCR improvement over the period (-176%), freeing up cash.

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

-317 741 €

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

51 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

76 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

-35 j

WCR and payment terms evolution
COURTAGE CONSEIL GESTION D ASSURANCES

Positioning of COURTAGE CONSEIL GESTION D ASSURANCES 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 CONSEIL GESTION D ASSURANCES is estimated at 2 500 314 € (range 788 188€ - 9 335 164€). With an EBITDA of 1 598 826€, 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
788k€ 2500k€ 9335k€
2 500 314 € Range: 788 188€ - 9 335 164€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
1 598 826 € × 1.2x
Estimation 1 935 625 €
499 952€ - 9 879 988€
Revenue Multiple 30%
3 262 561 € × 0.98x
Estimation 3 205 232 €
893 833€ - 5 961 176€
Net Income Multiple 20%
1 418 346 € × 2.0x
Estimation 2 854 662 €
1 350 310€ - 13 034 092€

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 CONSEIL GESTION D ASSURANCES 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 CONSEIL GESTION D ASSURANCES

What is the revenue of COURTAGE CONSEIL GESTION D ASSURANCES ?

The revenue of COURTAGE CONSEIL GESTION D ASSURANCES in 2024 is 3.3 M€.

Is COURTAGE CONSEIL GESTION D ASSURANCES profitable?

Yes, COURTAGE CONSEIL GESTION D ASSURANCES generated a net profit of 1.4 M€ in 2024.

Where is the headquarters of COURTAGE CONSEIL GESTION D ASSURANCES ?

The headquarters of COURTAGE CONSEIL GESTION D ASSURANCES is located in WASQUEHAL (59290), in the department Nord.

Where to find the tax return of COURTAGE CONSEIL GESTION D ASSURANCES ?

The tax return of COURTAGE CONSEIL GESTION D ASSURANCES 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 CONSEIL GESTION D ASSURANCES operate?

COURTAGE CONSEIL GESTION D ASSURANCES 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.