COURTAGE IMMOBILIER ET PATRIMOINE : revenue, balance sheet and financial ratios

COURTAGE IMMOBILIER ET PATRIMOINE is a French company founded 24 years ago, specialized in the sector Agences immobilières. Based in AIX-EN-PROVENCE (13090), this company of category PME shows in 2023 a revenue of 64 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 IMMOBILIER ET PATRIMOINE (SIREN 441206455)
Indicator 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 64 050 € 140 998 € 97 167 € 72 157 € 31 333 € 22 306 € 67 791 € 22 708 €
Net income 2 480 € 56 680 € 12 490 € 18 605 € -19 992 € -25 944 € -34 933 € -9 787 €
EBITDA -18 347 € 50 636 € 17 771 € 17 026 € -30 086 € -45 371 € -14 422 € -45 668 €
Net margin 3.9% 40.2% 12.9% 25.8% -63.8% -116.3% -51.5% -43.1%

Revenue and income statement

In 2023, COURTAGE IMMOBILIER ET PATRIMOINE achieves revenue of 64 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +16.0%. Significant drop of -55% vs 2022. After deducting consumption (53 €), gross margin stands at 64 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 -18 k€, representing -28.6% of revenue. Warning negative scissor effect: despite revenue change (-55%), EBITDA varies by -136%, reducing margin by 64.6 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2 k€, i.e. 3.9% 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

64 050 €

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

63 997 €

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

-18 347 €

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

-19 260 €

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

2 480 €

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

-28.6%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 2%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 5.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

2.163%

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

1.912%

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

5.297%

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

0.0

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

30.0%

Solvency indicators evolution
COURTAGE IMMOBILIER ET PATRIMOINE

Sector positioning

Debt ratio
2.16 2023
2021
2022
2023
Q1: 0.0
Med: 11.28
Q3: 68.41
Good

In 2023, the debt ratio of COURTAGE IMMOBILIER ET PA... (2.16) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
1.91% 2023
2021
2022
2023
Q1: 3.91%
Med: 28.47%
Q3: 61.04%
Average

In 2023, the financial autonomy of COURTAGE IMMOBILIER ET PA... (1.9%) 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 2023
2021
2022
2023
Q1: -0.13 years
Med: 0.0 years
Q3: 1.25 years
Good +25 pts over 3 years

In 2023, the repayment capacity of COURTAGE IMMOBILIER ET PA... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 5126.51. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

5126.513

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

0.0

Liquidity indicators evolution
COURTAGE IMMOBILIER ET PATRIMOINE

Sector positioning

Liquidity ratio
5126.51 2023
2021
2022
2023
Q1: 106.71
Med: 191.54
Q3: 498.6
Excellent

In 2023, the liquidity ratio of COURTAGE IMMOBILIER ET PA... (5126.51) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 0.95x
Average

In 2023, the interest coverage of COURTAGE IMMOBILIER ET PA... (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. Overall, WCR represents 699 days of revenue, i.e. 124 k€ to permanently finance. Over 2016-2023, WCR increased by +34%, requiring additional financing.

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

124 433 €

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

0 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

0 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

699 j

WCR and payment terms evolution
COURTAGE IMMOBILIER ET PATRIMOINE

Positioning of COURTAGE IMMOBILIER ET PATRIMOINE in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of COURTAGE IMMOBILIER ET PATRIMOINE is estimated at 13 915 € (range 5 867€ - 27 959€). The price/revenue ratio is 0.30x (conservative valuation). 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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2023
63 tx
5k€ 13k€ 27k€
13 915 € Range: 5 867€ - 27 959€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
64 050 € × 0.30x
Estimation 19 507 €
8 544€ - 37 217€
Net Income Multiple 20%
2 480 € × 2.2x
Estimation 5 529 €
1 852€ - 14 074€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Agences immobilières)

Compare COURTAGE IMMOBILIER ET PATRIMOINE with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about COURTAGE IMMOBILIER ET PATRIMOINE

What is the revenue of COURTAGE IMMOBILIER ET PATRIMOINE ?

The revenue of COURTAGE IMMOBILIER ET PATRIMOINE in 2023 is 64 k€.

Is COURTAGE IMMOBILIER ET PATRIMOINE profitable?

Yes, COURTAGE IMMOBILIER ET PATRIMOINE generated a net profit of 2 k€ in 2023.

Where is the headquarters of COURTAGE IMMOBILIER ET PATRIMOINE ?

The headquarters of COURTAGE IMMOBILIER ET PATRIMOINE is located in AIX-EN-PROVENCE (13090), in the department Bouches-du-Rhone.

Where to find the tax return of COURTAGE IMMOBILIER ET PATRIMOINE ?

The tax return of COURTAGE IMMOBILIER ET PATRIMOINE 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 IMMOBILIER ET PATRIMOINE operate?

COURTAGE IMMOBILIER ET PATRIMOINE operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.