SIREN : 438316374
ESTASSUR COURTAGE is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MULHOUSE (68100), this company of category PME shows in 2024 a revenue of 422 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 422 191 € | 440 618 € | 403 673 € | 406 845 € | 434 189 € | 440 902 € | 469 423 € | 481 763 € | 554 512 € |
| Net income | 10 806 € | -42 039 € | -38 453 € | -29 767 € | 19 542 € | 16 962 € | 27 334 € | 11 659 € | 61 596 € |
| EBITDA | 55 046 € | -37 583 € | -32 228 € | -25 145 € | 29 652 € | 25 836 € | 211 080 € | 20 757 € | 84 315 € |
| Net margin | 2.6% | -9.5% | -9.5% | -7.3% | 4.5% | 3.8% | 5.8% | 2.4% | 11.1% |
In 2024, ESTASSUR COURTAGE achieves revenue of 422 k€. Activity remains stable over the period (CAGR: -3.4%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 422 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 55 k€, representing 13.0% of revenue. Positive scissor effect: EBITDA margin improves by +21.6 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 11 k€, i.e. 2.6% of revenue. This profit can be retained or distributed to shareholders.
422 191 €
422 191 €
55 046 €
51 285 €
10 806 €
13.0%
The debt ratio (= Financial debt / Equity x 100) stands at 2655%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 10.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2655.481%
3.237%
10.117%
10.771
In 2024, the debt ratio of ESTASSUR COURTAGE (2655.48) 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 ESTASSUR COURTAGE (3.2%) 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 ESTASSUR COURTAGE (10.77) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 22.3x. Operating income very largely covers interest expenses: high safety margin.
0.0
22.287
In 2024, the liquidity ratio of ESTASSUR COURTAGE (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2024, the interest coverage of ESTASSUR COURTAGE (22.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). WCR is negative (-16 days): operations structurally generate cash. Over 2016-2024, WCR increased by +94%, requiring additional financing.
-19 138 €
0 j
43 j
0 j
-16 j
Based on 193 transactions of similar company sales (all years), the value of ESTASSUR COURTAGE is estimated at 162 102 € (range 45 363€ - 421 361€). With an EBITDA of 55 046€, 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 ESTASSUR COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ESTASSUR COURTAGE in 2024 is 422 k€.
Yes, ESTASSUR COURTAGE generated a net profit of 11 k€ in 2024.
The headquarters of ESTASSUR COURTAGE is located in MULHOUSE (68100), in the department Haut-Rhin.
The tax return of ESTASSUR 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).
ESTASSUR 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.