FAPE COURTAGE : revenue, balance sheet and financial ratios

FAPE COURTAGE is a French company founded 32 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARQUETTE-LEZ-LILLE (59520), this company of category PME shows in 2019 a revenue of 646 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

Financial history - FAPE COURTAGE (SIREN 393721568)
Indicator 2023 2022 2019 2017
Revenue N/C N/C 646 390 € 825 586 €
Net income 37 744 € 27 943 € -2 728 € 61 163 €
EBITDA N/C N/C 1 768 € 69 802 €
Net margin N/C N/C -0.4% 7.4%

Revenue and income statement

In 2023, FAPE COURTAGE generates positive net income of 38 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2023: 61 k€ -> 38 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

37 744 €

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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 107%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

107.077%

Financial autonomy (2023) ?
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

40.763%

Asset age ratio (2023) ?
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

63.2%

Solvency indicators evolution
FAPE COURTAGE

Sector positioning

Debt ratio
107.08 2023
2019
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average

In 2023, the debt ratio of FAPE COURTAGE (107.08) 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
40.76% 2023
2019
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average +20 pts over 3 years

In 2023, the financial autonomy of FAPE COURTAGE (40.8%) 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
47.51 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Watch

In 2019, the repayment capacity of FAPE COURTAGE (47.51) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 94.04. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

94.04

Liquidity indicators evolution
FAPE COURTAGE

Sector positioning

Liquidity ratio
94.04 2023
2019
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Watch

In 2023, the liquidity ratio of FAPE COURTAGE (94.04) 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.

Interest coverage
0.0x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Average

In 2019, the interest coverage of FAPE 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) and payment terms

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

Operating WCR (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
FAPE COURTAGE

Positioning of FAPE 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 FAPE COURTAGE is estimated at 75 966 € (range 35 933€ - 346 853€). 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 2023
193 transactions
35k€ 75k€ 346k€
75 966 € Range: 35 933€ - 346 853€
NAF 5 all-time

Valuation method used

Net Income Multiple
37 744 € × 2.0x = 75 966 €
Range: 35 933€ - 346 854€

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 FAPE 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 FAPE COURTAGE

What is the revenue of FAPE COURTAGE ?

The revenue of FAPE COURTAGE in 2019 is 646 k€.

Is FAPE COURTAGE profitable?

Yes, FAPE COURTAGE generated a net profit of 38 k€ in 2023.

Where is the headquarters of FAPE COURTAGE ?

The headquarters of FAPE COURTAGE is located in MARQUETTE-LEZ-LILLE (59520), in the department Nord.

Where to find the tax return of FAPE COURTAGE ?

The tax return of FAPE 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 FAPE COURTAGE operate?

FAPE 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.