COURTAGES D'ASSURANCES TRANSPORTS : revenue, balance sheet and financial ratios

COURTAGES D'ASSURANCES TRANSPORTS is a French company founded 27 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75002), this company of category PME shows in 2023 a revenue of 532 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 - COURTAGES D'ASSURANCES TRANSPORTS (SIREN 419784814)
Indicator 2023 2020 2018 2017 2016
Revenue 532 106 € N/C 310 914 € 302 238 € 262 670 €
Net income 117 832 € 33 262 € 95 657 € 121 916 € 68 698 €
EBITDA 321 774 € N/C 99 868 € 150 478 € 123 668 €
Net margin 22.1% N/C 30.8% 40.3% 26.2%

Revenue and income statement

In 2023, COURTAGES D'ASSURANCES TRANSPORTS achieves revenue of 532 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +10.6%. After deducting consumption (0 €), gross margin stands at 532 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 322 k€, representing 60.5% 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 118 k€, i.e. 22.1% 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

532 106 €

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

532 106 €

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

321 774 €

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

149 508 €

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

117 832 €

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

60.5%

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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 1%. 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 98%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 54.5% 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 (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

0.548%

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

98.332%

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

54.55%

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

0.017

Solvency indicators evolution
COURTAGES D'ASSURANCES TRANSPORTS

Sector positioning

Debt ratio
0.55 2023
2018
2020
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Good

In 2023, the debt ratio of COURTAGES D'ASSURANCES TR... (0.55) 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
98.33% 2023
2018
2020
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Excellent

In 2023, the financial autonomy of COURTAGES D'ASSURANCES TR... (98.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.02 years 2023
2018
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Good

In 2023, the repayment capacity of COURTAGES D'ASSURANCES TR... (0.02) 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 3101.25. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.

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

3101.247

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

0.238

Liquidity indicators evolution
COURTAGES D'ASSURANCES TRANSPORTS

Sector positioning

Liquidity ratio
3101.25 2023
2018
2020
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Excellent

In 2023, the liquidity ratio of COURTAGES D'ASSURANCES TR... (3101.25) 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
0.24x 2023
2018
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Good

In 2023, the interest coverage of COURTAGES D'ASSURANCES TR... (0.2x) 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. Overall, WCR represents 31 days of revenue, i.e. 46 k€ to permanently finance. Over 2016-2023, WCR increased by +236%, 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

45 724 €

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

31 j

WCR and payment terms evolution
COURTAGES D'ASSURANCES TRANSPORTS

Positioning of COURTAGES D'ASSURANCES TRANSPORTS 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 COURTAGES D'ASSURANCES TRANSPORTS is estimated at 399 036 € (range 116 479€ - 1 502 442€). With an EBITDA of 321 774€, 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 2023
193 transactions
116k€ 399k€ 1502k€
399 036 € Range: 116 479€ - 1 502 442€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
321 774 € × 1.2x
Estimation 389 557 €
100 619€ - 1 988 411€
Revenue Multiple 30%
532 106 € × 0.98x
Estimation 522 756 €
145 779€ - 972 235€
Net Income Multiple 20%
117 832 € × 2.0x
Estimation 237 157 €
112 180€ - 1 082 834€

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 COURTAGES D'ASSURANCES TRANSPORTS with other companies in the same sector:

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

Frequently asked questions about COURTAGES D'ASSURANCES TRANSPORTS

What is the revenue of COURTAGES D'ASSURANCES TRANSPORTS ?

The revenue of COURTAGES D'ASSURANCES TRANSPORTS in 2023 is 532 k€.

Is COURTAGES D'ASSURANCES TRANSPORTS profitable?

Yes, COURTAGES D'ASSURANCES TRANSPORTS generated a net profit of 118 k€ in 2023.

Where is the headquarters of COURTAGES D'ASSURANCES TRANSPORTS ?

The headquarters of COURTAGES D'ASSURANCES TRANSPORTS is located in PARIS (75002), in the department Paris.

Where to find the tax return of COURTAGES D'ASSURANCES TRANSPORTS ?

The tax return of COURTAGES D'ASSURANCES TRANSPORTS 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 COURTAGES D'ASSURANCES TRANSPORTS operate?

COURTAGES D'ASSURANCES TRANSPORTS 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.