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EVOA COURTAGE : revenue, balance sheet and financial ratios

EVOA COURTAGE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in HALLENNES-LEZ-HAUBOURDIN (59320), this company of category PME shows in 2023 a revenue of 713 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

Financial history - EVOA COURTAGE (SIREN 882912587)
Indicator 2025 2024 2023
Revenue N/C N/C 712 548 €
Net income 87 755 € 72 738 € 149 079 €
EBITDA N/C N/C 190 503 €
Net margin N/C N/C 20.9%

Revenue and income statement

In 2025, EVOA COURTAGE generates positive net income of 88 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2023-2025: 149 k€ -> 88 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

87 755 €

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Chart evolution

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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 20%. 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 78%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

19.642%

Financial autonomy (2025) ?
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

78.427%

Asset age ratio (2025) ?
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

45.3%

Solvency indicators evolution
EVOA COURTAGE

Sector positioning

Debt ratio
19.64 2025
2023
2024
2025
Q1: 0.0
Med: 5.25
Q3: 44.01
Average +34 pts over 3 years

In 2025, the debt ratio of EVOA COURTAGE (19.64) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
78.43% 2025
2023
2024
2025
Q1: 14.47%
Med: 50.82%
Q3: 78.71%
Good

In 2025, the financial autonomy of EVOA COURTAGE (78.4%) 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.

Repayment capacity
0.01 years 2023
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Good

In 2023, the repayment capacity of EVOA COURTAGE (0.01) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1010.86. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1010.86

Liquidity indicators evolution
EVOA COURTAGE

Sector positioning

Liquidity ratio
1010.86 2025
2023
2024
2025
Q1: 157.68
Med: 329.7
Q3: 847.44
Excellent

In 2025, the liquidity ratio of EVOA COURTAGE (1010.86) 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.

Interest coverage
0.42x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Good

In 2023, the interest coverage of EVOA COURTAGE (0.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
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

0 €

Customer credit (2025) ?
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

0 j

Supplier credit (2025) ?
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

0 j

Inventory turnover (2025) ?
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 and payment terms evolution
EVOA COURTAGE

Positioning of EVOA COURTAGE 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 EVOA COURTAGE is estimated at 176 621 € (range 83 545€ - 806 437€). 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 2025
193 transactions
83k€ 176k€ 806k€
176 621 € Range: 83 545€ - 806 437€
NAF 5 all-time

Valuation method used

Net Income Multiple
87 755 € × 2.0x = 176 622 €
Range: 83 546€ - 806 437€

Only this financial indicator is available for this company.

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 EVOA COURTAGE with other companies in the same sector:

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

Frequently asked questions about EVOA COURTAGE

What is the revenue of EVOA COURTAGE ?

The revenue of EVOA COURTAGE in 2023 is 713 k€.

Is EVOA COURTAGE profitable?

Yes, EVOA COURTAGE generated a net profit of 88 k€ in 2025.

Where is the headquarters of EVOA COURTAGE ?

The headquarters of EVOA COURTAGE is located in HALLENNES-LEZ-HAUBOURDIN (59320), in the department Nord.

Where to find the tax return of EVOA COURTAGE ?

The tax return of EVOA 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).

In which sector does EVOA COURTAGE operate?

EVOA 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.