SIREN : 341056281
COURTAZUR is a French company founded 39 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARSEILLE (13001), this company of category PME shows in 2024 a revenue of 1.7 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 721 759 € | 1 329 856 € | 1 241 632 € | N/C | N/C | 716 467 € | 442 679 € | 463 497 € | 366 585 € |
| Net income | 378 228 € | 194 007 € | 166 592 € | 73 384 € | 168 501 € | 83 196 € | 50 393 € | 56 851 € | 27 283 € |
| EBITDA | 563 998 € | 279 346 € | 272 109 € | N/C | N/C | 107 473 € | 68 094 € | 74 040 € | 38 620 € |
| Net margin | 22.0% | 14.6% | 13.4% | N/C | N/C | 11.6% | 11.4% | 12.3% | 7.4% |
In 2024, COURTAZUR achieves revenue of 1.7 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +21.3%. Vs 2023, growth of +29% (1.3 M€ -> 1.7 M€). After deducting consumption (0 €), gross margin stands at 1.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 564 k€, representing 32.8% of revenue. Positive scissor effect: EBITDA margin improves by +11.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 378 k€, i.e. 22.0% of revenue. This profit can be retained or distributed to shareholders.
1 721 759 €
1 721 759 €
563 998 €
582 810 €
378 228 €
32.8%
The debt ratio (= Financial debt / Equity x 100) stands at 117%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 40%. 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 5.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 21.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
117.084%
40.158%
21.865%
4.955
3.5%
In 2024, the debt ratio of COURTAZUR (117.08) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of COURTAZUR (40.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of COURTAZUR (4.96) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 169.18. 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 9.0x. Operating income very largely covers interest expenses: high safety margin.
169.179
9.039
In 2024, the liquidity ratio of COURTAZUR (169.18) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of COURTAZUR (9.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 286 days. Excellent situation: suppliers finance 256 days of the operating cycle (retail model). WCR is negative (-38 days): operations structurally generate cash. Notable WCR improvement over the period (-2967%), freeing up cash.
-180 458 €
30 j
286 j
0 j
-38 j
Based on 193 transactions of similar company sales (all years), the value of COURTAZUR is estimated at 1 001 104 € (range 301 709€ - 3 381 547€). With an EBITDA of 563 998€, 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 COURTAZUR with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of COURTAZUR in 2024 is 1.7 M€.
Yes, COURTAZUR generated a net profit of 378 k€ in 2024.
The headquarters of COURTAZUR is located in MARSEILLE (13001), in the department Bouches-du-Rhone.
The tax return of COURTAZUR 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).
COURTAZUR 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.