SIREN : 821743572
CPF COURTAGE is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75016), this company of category PME shows in 2018 a revenue of 105 k€. 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 | 2018 | 2017 |
|---|---|---|
| Revenue | 104 584 € | 140 105 € |
| Net income | 29 802 € | 62 786 € |
| EBITDA | 36 075 € | 76 460 € |
| Net margin | 28.5% | 44.8% |
In 2018, CPF COURTAGE achieves revenue of 105 k€. Significant drop of -25% vs 2017. After deducting consumption (0 €), gross margin stands at 105 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 36 k€, representing 34.5% of revenue. Warning negative scissor effect: despite revenue change (-25%), EBITDA varies by -53%, reducing margin by 20.1 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 30 k€, i.e. 28.5% of revenue. This profit can be retained or distributed to shareholders.
104 584 €
104 584 €
36 075 €
35 061 €
29 802 €
34.5%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 87%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 29.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.091%
87.293%
29.464%
0.057
42.7%
In 2018, the debt ratio of CPF COURTAGE (2.09) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2018, the financial autonomy of CPF COURTAGE (87.3%) 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.
In 2018, the repayment capacity of CPF COURTAGE (0.06) 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 906.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
906.516
0.0
In 2018, the liquidity ratio of CPF COURTAGE (906.52) 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 2018, the interest coverage of CPF COURTAGE (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: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 46 days. Favorable situation: supplier credit is longer than customer credit by 12 days. Overall, WCR represents 60 days of revenue, i.e. 18 k€ to permanently finance.
17 568 €
34 j
46 j
0 j
60 j
Indicative estimate only : the number of comparable transactions in this sector is limited (31 transactions). This range of 35 353€ to 323 355€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 31 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 CPF COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CPF COURTAGE in 2018 is 105 k€.
Yes, CPF COURTAGE generated a net profit of 30 k€ in 2018.
The headquarters of CPF COURTAGE is located in PARIS (75016), in the department Paris.
The tax return of CPF COURTAGE 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).
CPF COURTAGE 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.