SIREN : 538641374
CROSS COURTAGE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTECH (82700), this company of category PME shows in 2019 a revenue of 409 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 409 419 € | 403 992 € | 447 409 € | 402 948 € |
| Net income | 13 975 € | 11 161 € | 9 382 € | 7 323 € |
| EBITDA | 20 922 € | 16 774 € | 18 199 € | 13 416 € |
| Net margin | 3.4% | 2.8% | 2.1% | 1.8% |
In 2019, CROSS COURTAGE achieves revenue of 409 k€. Revenue is growing positively over 4 years (CAGR: +0.5%). Vs 2018: +1%. After deducting consumption (0 €), gross margin stands at 409 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 21 k€, representing 5.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 3.4% of revenue. This profit can be retained or distributed to shareholders.
409 419 €
409 419 €
20 922 €
19 000 €
13 975 €
5.1%
The debt ratio (= Financial debt / Equity x 100) stands at 18%. 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 63%. 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 1.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 3.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
17.622%
63.354%
3.883%
1.026
13.7%
In 2019, the debt ratio of CROSS COURTAGE (17.62) 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 2019, the financial autonomy of CROSS COURTAGE (63.4%) 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 2019, the repayment capacity of CROSS COURTAGE (1.03) 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 294.54. 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 1.3x. Coverage is limited: any activity downturn would jeopardize interest payments.
294.544
1.314
In 2019, the liquidity ratio of CROSS COURTAGE (294.54) 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.
In 2019, the interest coverage of CROSS COURTAGE (1.3x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 5 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 10 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Overall, WCR represents 20 days of revenue, i.e. 23 k€ to permanently finance. Over 2016-2019, WCR increased by +201%, requiring additional financing.
23 034 €
5 j
10 j
0 j
20 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 67 094€ to 282 410€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 CROSS COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CROSS COURTAGE in 2019 is 409 k€.
Yes, CROSS COURTAGE generated a net profit of 14 k€ in 2019.
The headquarters of CROSS COURTAGE is located in MONTECH (82700), in the department Tarn-et-Garonne.
The tax return of CROSS 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).
CROSS 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.