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COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE : revenue, balance sheet and financial ratios

COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NOYON (60400), this company of category PME shows in 2016 a revenue of 77 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 - COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE (SIREN 500584586)
Indicator 2016
Revenue 77 152 €
Net income 40 085 €
EBITDA 55 225 €
Net margin 52.0%

Revenue and income statement

In 2016, COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE achieves revenue of 77 k€. After deducting consumption (0 €), gross margin stands at 77 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 55 k€, representing 71.6% 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 40 k€, i.e. 52.0% 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

77 152 €

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

77 152 €

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

55 225 €

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

55 219 €

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

40 085 €

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

71.6%

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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 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 52.0% 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

0.0%

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

0.0%

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

51.957%

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

0.0

Solvency indicators evolution
COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE

Sector positioning

Debt ratio
0.0 2016
2016
Q1: 0.0
Med: 7.68
Q3: 53.85
Excellent

In 2016, the debt ratio of COURTAGE CONSEILS ASSURAN... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
0.0% 2016
2016
Q1: 11.73%
Med: 42.73%
Q3: 70.68%
Average

In 2016, the financial autonomy of COURTAGE CONSEILS ASSURAN... (0.0%) 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
0.0 years 2016
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Excellent

In 2016, the repayment capacity of COURTAGE CONSEILS ASSURAN... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 16 days of revenue, i.e. 4 k€ to permanently finance.

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

3 534 €

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

0 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

16 j

WCR and payment terms evolution
COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE

Positioning of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE 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 CONSEILS ASSURANCES ENTREPRISES - CCAE is estimated at 72 303 € (range 22 607€ - 286 595€). With an EBITDA of 55 225€, 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
22k€ 72k€ 286k€
72 303 € Range: 22 607€ - 286 595€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
55 225 € × 1.2x
Estimation 66 858 €
17 269€ - 341 264€
Revenue Multiple 30%
77 152 € × 0.98x
Estimation 75 796 €
21 137€ - 140 968€
Net Income Multiple 20%
40 085 € × 2.0x
Estimation 80 678 €
38 162€ - 368 367€
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 CONSEILS ASSURANCES ENTREPRISES - CCAE 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 CONSEILS ASSURANCES ENTREPRISES - CCAE

What is the revenue of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE ?

The revenue of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE in 2016 is 77 k€.

Is COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE profitable?

Yes, COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE generated a net profit of 40 k€ in 2016.

Where is the headquarters of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE ?

The headquarters of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE is located in NOYON (60400), in the department Oise.

Where to find the tax return of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE ?

The tax return of COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE 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 CONSEILS ASSURANCES ENTREPRISES - CCAE operate?

COURTAGE CONSEILS ASSURANCES ENTREPRISES - CCAE 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.