COURTAGE D'ASSURANCES MARTIN CAMA : revenue, balance sheet and financial ratios

COURTAGE D'ASSURANCES MARTIN CAMA is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BRIGNOLES (83170), this company of category PME shows in 2022 a revenue of 424 k€. 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 D'ASSURANCES MARTIN CAMA (SIREN 483575114)
Indicator 2022 2021 2020 2019 2018 2017 2016
Revenue 423 976 € 376 962 € 357 509 € 301 265 € 265 882 € 209 377 € 219 713 €
Net income 231 528 € 200 671 € 187 416 € 155 756 € 134 687 € 102 059 € 81 800 €
EBITDA 303 037 € 267 058 € 253 417 € 209 445 € 180 192 € 139 230 € 112 217 €
Net margin 54.6% 53.2% 52.4% 51.7% 50.7% 48.7% 37.2%

Revenue and income statement

In 2022, COURTAGE D'ASSURANCES MARTIN CAMA achieves revenue of 424 k€. Over the period 2016-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +11.6%. Vs 2021, growth of +12% (377 k€ -> 424 k€). After deducting consumption (0 €), gross margin stands at 424 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 303 k€, representing 71.5% 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 232 k€, i.e. 54.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

423 976 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

423 976 €

EBITDA (2022) ?
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

303 037 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

303 037 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

231 528 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

71.5%

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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 66%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 54.6% 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 (2022) ?
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 (2022) ?
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

66.087%

Cash flow / Revenue (2022) ?
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

54.609%

Repayment capacity (2022) ?
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 D'ASSURANCES MARTIN CAMA

Sector positioning

Debt ratio
0.0 2022
2020
2021
2022
Q1: 0.03
Med: 12.59
Q3: 62.99
Excellent

In 2022, the debt ratio of COURTAGE D'ASSURANCES MAR... (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
66.09% 2022
2020
2021
2022
Q1: 17.63%
Med: 47.05%
Q3: 73.71%
Good -6 pts over 3 years

In 2022, the financial autonomy of COURTAGE D'ASSURANCES MAR... (66.1%) 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
0.0 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Excellent

In 2022, the repayment capacity of COURTAGE D'ASSURANCES MAR... (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 248.14. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

248.141

Interest coverage (2022) ?
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 D'ASSURANCES MARTIN CAMA

Sector positioning

Liquidity ratio
248.14 2022
2020
2021
2022
Q1: 118.8
Med: 232.85
Q3: 512.2
Good

In 2022, the liquidity ratio of COURTAGE D'ASSURANCES MAR... (248.14) 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
0.0x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Average

In 2022, the interest coverage of COURTAGE D'ASSURANCES MAR... (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 4 days. Favorable situation: supplier credit is longer than customer credit by 4 days. WCR is negative (-102 days): operations structurally generate cash. Notable WCR improvement over the period (-5667%), freeing up cash.

Operating WCR (2022) ?
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

-119 744 €

Customer credit (2022) ?
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 (2022) ?
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

4 j

Inventory turnover (2022) ?
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 (2022) ?
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

-102 j

WCR and payment terms evolution
COURTAGE D'ASSURANCES MARTIN CAMA

Positioning of COURTAGE D'ASSURANCES MARTIN CAMA 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 D'ASSURANCES MARTIN CAMA is estimated at 401 592 € (range 126 310€ - 1 594 244€). With an EBITDA of 303 037€, 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 2022
193 transactions
126k€ 401k€ 1594k€
401 592 € Range: 126 310€ - 1 594 244€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
303 037 € × 1.2x
Estimation 366 873 €
94 760€ - 1 872 625€
Revenue Multiple 30%
423 976 € × 0.98x
Estimation 416 526 €
116 155€ - 774 666€
Net Income Multiple 20%
231 528 € × 2.0x
Estimation 465 989 €
220 422€ - 2 127 659€

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 D'ASSURANCES MARTIN CAMA 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 D'ASSURANCES MARTIN CAMA

What is the revenue of COURTAGE D'ASSURANCES MARTIN CAMA ?

The revenue of COURTAGE D'ASSURANCES MARTIN CAMA in 2022 is 424 k€.

Is COURTAGE D'ASSURANCES MARTIN CAMA profitable?

Yes, COURTAGE D'ASSURANCES MARTIN CAMA generated a net profit of 232 k€ in 2022.

Where is the headquarters of COURTAGE D'ASSURANCES MARTIN CAMA ?

The headquarters of COURTAGE D'ASSURANCES MARTIN CAMA is located in BRIGNOLES (83170), in the department Var.

Where to find the tax return of COURTAGE D'ASSURANCES MARTIN CAMA ?

The tax return of COURTAGE D'ASSURANCES MARTIN CAMA 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 D'ASSURANCES MARTIN CAMA operate?

COURTAGE D'ASSURANCES MARTIN CAMA 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.