COURTIER ASSURANCES ET BANQUE : revenue, balance sheet and financial ratios

COURTIER ASSURANCES ET BANQUE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BRUGUIERES (31150), this company of category PME shows in 2024 a revenue of 33 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 - COURTIER ASSURANCES ET BANQUE (SIREN 791263650)
Indicator 2024 2023 2022 2021 2019 2017 2016
Revenue 33 135 € 30 151 € 26 807 € 23 109 € 22 580 € 14 045 € 7 336 €
Net income 7 055 € 1 908 € 6 598 € 1 440 € 277 € 3 456 € 143 €
EBITDA 13 173 € 1 908 € 6 597 € 7 809 € 8 193 € 3 456 € 143 €
Net margin 21.3% 6.3% 24.6% 6.2% 1.2% 24.6% 1.9%

Revenue and income statement

In 2024, COURTIER ASSURANCES ET BANQUE achieves revenue of 33 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +20.7%. Vs 2023: +10%. After deducting consumption (0 €), gross margin stands at 33 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 13 k€, representing 39.8% of revenue. Positive scissor effect: EBITDA margin improves by +33.4 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 7 k€, i.e. 21.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

33 135 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

33 135 €

EBITDA (2024) ?
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

13 173 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

7 055 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

7 055 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

39.8%

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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 117%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 46%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 39.8% 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 (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

117.299%

Financial autonomy (2024) ?
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

46.059%

Cash flow / Revenue (2024) ?
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

39.756%

Repayment capacity (2024) ?
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

0.824

Asset age ratio (2024) ?
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

62.8%

Solvency indicators evolution
COURTIER ASSURANCES ET BANQUE

Sector positioning

Debt ratio
117.3 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Watch

In 2024, the debt ratio of COURTIER ASSURANCES ET BA... (117.30) 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.

Financial autonomy
46.06% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average +6 pts over 3 years

In 2024, the financial autonomy of COURTIER ASSURANCES ET BA... (46.1%) 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
0.82 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average

In 2024, the repayment capacity of COURTIER ASSURANCES ET BA... (0.82) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 382.42. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

382.423

Interest coverage (2024) ?
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
COURTIER ASSURANCES ET BANQUE

Sector positioning

Liquidity ratio
382.42 2024
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +9 pts over 2 years

In 2024, the liquidity ratio of COURTIER ASSURANCES ET BA... (382.42) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of COURTIER ASSURANCES ET BA... (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. Average customer payment term: 81 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 113 days. Excellent situation: suppliers finance 32 days of the operating cycle (retail model). Overall, WCR represents 60 days of revenue, i.e. 6 k€ to permanently finance. Over 2016-2024, WCR increased by +892%, requiring additional financing.

Operating WCR (2024) ?
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

5 503 €

Customer credit (2024) ?
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

81 j

Supplier credit (2024) ?
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

113 j

Inventory turnover (2024) ?
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 (2024) ?
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

60 j

WCR and payment terms evolution
COURTIER ASSURANCES ET BANQUE

Positioning of COURTIER ASSURANCES ET BANQUE 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 COURTIER ASSURANCES ET BANQUE is estimated at 20 579 € (range 6 126€ - 71 830€). With an EBITDA of 13 173€, 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 2024
193 transactions
6k€ 20k€ 71k€
20 579 € Range: 6 126€ - 71 830€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
13 173 € × 1.2x
Estimation 15 948 €
4 119€ - 81 403€
Revenue Multiple 30%
33 135 € × 0.98x
Estimation 32 553 €
9 078€ - 60 542€
Net Income Multiple 20%
7 055 € × 2.0x
Estimation 14 199 €
6 717€ - 64 833€

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 COURTIER ASSURANCES ET BANQUE with other companies in the same sector:

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

Frequently asked questions about COURTIER ASSURANCES ET BANQUE

What is the revenue of COURTIER ASSURANCES ET BANQUE ?

The revenue of COURTIER ASSURANCES ET BANQUE in 2024 is 33 k€.

Is COURTIER ASSURANCES ET BANQUE profitable?

Yes, COURTIER ASSURANCES ET BANQUE generated a net profit of 7 k€ in 2024.

Where is the headquarters of COURTIER ASSURANCES ET BANQUE ?

The headquarters of COURTIER ASSURANCES ET BANQUE is located in BRUGUIERES (31150), in the department Haute-Garonne.

Where to find the tax return of COURTIER ASSURANCES ET BANQUE ?

The tax return of COURTIER ASSURANCES ET BANQUE 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 COURTIER ASSURANCES ET BANQUE operate?

COURTIER ASSURANCES ET BANQUE 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.