FAVIER CASANOVA COURTAGE : revenue, balance sheet and financial ratios

FAVIER CASANOVA COURTAGE is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75016), this company of category PME shows in 2024 a revenue of 1.8 M€. 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 - FAVIER CASANOVA COURTAGE (SIREN 509069274)
Indicator 2024 2023 2021 2020 2019 2018 2017 2016
Revenue 1 800 853 € 1 728 136 € 2 030 056 € 1 794 678 € 1 499 002 € 1 953 730 € 1 312 813 € 930 703 €
Net income 681 784 € 656 915 € 604 698 € 560 478 € 487 462 € 531 138 € 565 718 € 375 616 €
EBITDA 1 525 417 € 1 438 877 € 1 564 797 € 1 272 944 € 1 193 975 € 1 347 152 € 994 872 € 572 688 €
Net margin 37.9% 38.0% 29.8% 31.2% 32.5% 27.2% 43.1% 40.4%

Revenue and income statement

In 2024, FAVIER CASANOVA COURTAGE achieves revenue of 1.8 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.6%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 1.8 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.5 M€, representing 84.7% of 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 682 k€, i.e. 37.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 800 853 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 800 853 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

1 525 417 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

924 335 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

681 784 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

84.7%

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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 8%. 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 60%. 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 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

7.531%

Financial autonomy (2024) ?
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

59.867%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

38.125%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.182

Asset age ratio (2024) ?
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

26.7%

Solvency indicators evolution
FAVIER CASANOVA COURTAGE

Sector positioning

Debt ratio
7.53 2024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Good +23 pts over 3 years

In 2024, the debt ratio of FAVIER CASANOVA COURTAGE (7.53) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
59.87% 2024
2021
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good -14 pts over 3 years

In 2024, the financial autonomy of FAVIER CASANOVA COURTAGE (59.9%) 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
0.18 years 2024
2021
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Average +22 pts over 3 years

In 2024, the repayment capacity of FAVIER CASANOVA COURTAGE (0.18) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 143.47. 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 0.5x. Danger: operating income does not cover interest charges, unsustainable situation.

Liquidity ratio (2024) ?
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

143.47

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.533

Liquidity indicators evolution
FAVIER CASANOVA COURTAGE

Sector positioning

Liquidity ratio
143.47 2024
2021
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average -10 pts over 3 years

In 2024, the liquidity ratio of FAVIER CASANOVA COURTAGE (143.47) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.53x 2024
2021
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +6 pts over 3 years

In 2024, the interest coverage of FAVIER CASANOVA COURTAGE (0.5x) 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. Average customer payment term: 179 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1321 days. Excellent situation: suppliers finance 1142 days of the operating cycle (retail model). Overall, WCR represents 227 days of revenue, i.e. 1.1 M€ to permanently finance. Over 2016-2024, WCR increased by +638%, requiring additional financing.

Operating WCR (2024) ?
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

1 135 042 €

Customer credit (2024) ?
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

179 j

Supplier credit (2024) ?
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

1321 j

Inventory turnover (2024) ?
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 in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

227 j

WCR and payment terms evolution
FAVIER CASANOVA COURTAGE

Positioning of FAVIER CASANOVA 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 FAVIER CASANOVA COURTAGE is estimated at 1 728 579 € (range 516 326€ - 6 953 374€). With an EBITDA of 1 525 417€, 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.

Estimated enterprise value 2024
193 transactions
516k€ 1728k€ 6953k€
1 728 579 € Range: 516 326€ - 6 953 374€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
1 525 417 € × 1.2x
Estimation 1 846 752 €
476 997€ - 9 426 355€
Revenue Multiple 30%
1 800 853 € × 0.98x
Estimation 1 769 209 €
493 374€ - 3 290 422€
Net Income Multiple 20%
681 784 € × 2.0x
Estimation 1 372 206 €
649 080€ - 6 265 351€

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 FAVIER CASANOVA 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 FAVIER CASANOVA COURTAGE

What is the revenue of FAVIER CASANOVA COURTAGE ?

The revenue of FAVIER CASANOVA COURTAGE in 2024 is 1.8 M€.

Is FAVIER CASANOVA COURTAGE profitable?

Yes, FAVIER CASANOVA COURTAGE generated a net profit of 682 k€ in 2024.

Where is the headquarters of FAVIER CASANOVA COURTAGE ?

The headquarters of FAVIER CASANOVA COURTAGE is located in PARIS (75016), in the department Paris.

Where to find the tax return of FAVIER CASANOVA COURTAGE ?

The tax return of FAVIER CASANOVA 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 FAVIER CASANOVA COURTAGE operate?

FAVIER CASANOVA 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.