SIREN : 814901435
COURTAGEST is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-ETIENNE (42100), this company of category ETI shows in 2023 a revenue of 472 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
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 471 530 € | 487 319 € | 376 798 € | 386 954 € | 401 545 € | 372 451 € | 356 905 € | 213 270 € |
| Net income | 291 807 € | 319 139 € | 255 418 € | 242 902 € | 265 722 € | 254 043 € | 228 697 € | 120 037 € |
| EBITDA | 389 077 € | 425 520 € | 347 508 € | 337 365 € | 369 058 € | 352 837 € | 341 474 € | 179 199 € |
| Net margin | 61.9% | 65.5% | 67.8% | 62.8% | 66.2% | 68.2% | 64.1% | 56.3% |
In 2023, COURTAGEST achieves revenue of 472 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +12.0%. Slight decline of -3% vs 2022. After deducting consumption (0 €), gross margin stands at 472 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 389 k€, representing 82.5% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -9%, reducing margin by 4.8 pts. This reflects costs rising faster than 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 292 k€, i.e. 61.9% of revenue. This profit can be retained or distributed to shareholders.
471 530 €
471 530 €
389 077 €
389 076 €
291 807 €
82.5%
The debt ratio (= Financial debt / Equity x 100) stands at 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 73%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 61.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
32.315%
72.749%
61.885%
0.333
In 2023, the debt ratio of COURTAGEST (32.31) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of COURTAGEST (72.8%) 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.
In 2023, the repayment capacity of COURTAGEST (0.33) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 2657.76. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2657.763
0.0
In 2023, the liquidity ratio of COURTAGEST (2657.76) 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.
In 2023, the interest coverage of COURTAGEST (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 194 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. The gap of 136 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 235 days of revenue, i.e. 307 k€ to permanently finance. Over 2016-2023, WCR increased by +61%, requiring additional financing.
307 174 €
194 j
58 j
0 j
235 j
Based on 193 transactions of similar company sales (all years), the value of COURTAGEST is estimated at 491 954 € (range 155 149€ - 1 996 942€). With an EBITDA of 389 077€, 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare COURTAGEST with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of COURTAGEST in 2023 is 472 k€.
Yes, COURTAGEST generated a net profit of 292 k€ in 2023.
The headquarters of COURTAGEST is located in SAINT-ETIENNE (42100), in the department Loire.
The tax return of COURTAGEST 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).
COURTAGEST 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.