COURTAGES FINANCEMENTS IMMOBILIER : revenue, balance sheet and financial ratios

COURTAGES FINANCEMENTS IMMOBILIER is a French company founded 45 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69006), this company of category PME shows in 2020 a revenue of 99 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 FINANCEMENTS IMMOBILIER (SIREN 321737058)
Indicator 2020 2019 2018 2017 2016
Revenue 99 189 € 150 752 € 143 191 € 163 689 € 118 553 €
Net income 448 € 20 617 € 14 001 € 10 586 € 124 €
EBITDA 1 306 € 25 221 € 17 607 € 13 446 € 996 €
Net margin 0.5% 13.7% 9.8% 6.5% 0.1%

Revenue and income statement

In 2020, COURTAGES FINANCEMENTS IMMOBILIER achieves revenue of 99 k€. Activity remains stable over the period (CAGR: -4.4%). Significant drop of -34% vs 2019. After deducting consumption (0 €), gross margin stands at 99 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 1 k€, representing 1.3% of revenue. Warning negative scissor effect: despite revenue change (-34%), EBITDA varies by -95%, reducing margin by 15.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 448 €, i.e. 0.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

99 189 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

99 189 €

EBITDA (2020) ?
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

1 306 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

1 305 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

448 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

1.3%

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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 25%. 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 70%. 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 30.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

25.131%

Financial autonomy (2020) ?
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

69.818%

Cash flow / Revenue (2020) ?
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

0.446%

Repayment capacity (2020) ?
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

30.511

Asset age ratio (2020) ?
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

0.0%

Solvency indicators evolution
COURTAGES FINANCEMENTS IMMOBILIER

Sector positioning

Debt ratio
25.13 2020
2018
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.13
Average -15 pts over 3 years

In 2020, the debt ratio of COURTAGES FINANCEMENTS IM... (25.13) 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
69.82% 2020
2018
2019
2020
Q1: 17.1%
Med: 45.63%
Q3: 71.57%
Good +14 pts over 3 years

In 2020, the financial autonomy of COURTAGES FINANCEMENTS IM... (69.8%) 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
30.51 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Watch +12 pts over 3 years

In 2020, the repayment capacity of COURTAGES FINANCEMENTS IM... (30.51) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 765.01. 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 26.5x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2020) ?
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

765.011

Interest coverage (2020) ?
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

26.493

Liquidity indicators evolution
COURTAGES FINANCEMENTS IMMOBILIER

Sector positioning

Liquidity ratio
765.01 2020
2018
2019
2020
Q1: 121.71
Med: 223.76
Q3: 459.81
Excellent

In 2020, the liquidity ratio of COURTAGES FINANCEMENTS IM... (765.01) 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
26.49x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Excellent +6 pts over 3 years

In 2020, the interest coverage of COURTAGES FINANCEMENTS IM... (26.5x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.

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: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. Favorable situation: supplier credit is longer than customer credit by 1 days. Overall, WCR represents 23 days of revenue, i.e. 6 k€ to permanently finance. Notable WCR improvement over the period (-62%), freeing up cash.

Operating WCR (2020) ?
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

6 243 €

Customer credit (2020) ?
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

24 j

Supplier credit (2020) ?
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

25 j

Inventory turnover (2020) ?
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 (2020) ?
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

23 j

WCR and payment terms evolution
COURTAGES FINANCEMENTS IMMOBILIER

Positioning of COURTAGES FINANCEMENTS IMMOBILIER in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 9 092€ to 27 280€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
9k€ 14k€ 27k€
14 139 € Range: 9 092€ - 27 280€
NAF 5 année 2020

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 FINANCEMENTS IMMOBILIER 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 FINANCEMENTS IMMOBILIER

What is the revenue of COURTAGES FINANCEMENTS IMMOBILIER ?

The revenue of COURTAGES FINANCEMENTS IMMOBILIER in 2020 is 99 k€.

Is COURTAGES FINANCEMENTS IMMOBILIER profitable?

Yes, COURTAGES FINANCEMENTS IMMOBILIER generated a net profit of 448€ in 2020.

Where is the headquarters of COURTAGES FINANCEMENTS IMMOBILIER ?

The headquarters of COURTAGES FINANCEMENTS IMMOBILIER is located in LYON (69006), in the department Rhone.

Where to find the tax return of COURTAGES FINANCEMENTS IMMOBILIER ?

The tax return of COURTAGES FINANCEMENTS IMMOBILIER 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 FINANCEMENTS IMMOBILIER operate?

COURTAGES FINANCEMENTS IMMOBILIER 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.