SIREN : 878098342
GAIA COURTAGE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PERIGNY (17180), this company of category PME shows in 2024 a revenue of 150 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 150 450 € | 135 351 € | 110 552 € | 94 925 € | 10 772 € |
| Net income | 26 804 € | -7 608 € | -15 868 € | 1 273 € | -79 786 € |
| EBITDA | 27 741 € | -7 387 € | -16 419 € | 1 482 € | -80 499 € |
| Net margin | 17.8% | -5.6% | -14.4% | 1.3% | -740.7% |
In 2024, GAIA COURTAGE achieves revenue of 150 k€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +93.3%. Vs 2023, growth of +11% (135 k€ -> 150 k€). After deducting consumption (0 €), gross margin stands at 150 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 28 k€, representing 18.4% of revenue. Positive scissor effect: EBITDA margin improves by +23.9 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 27 k€, i.e. 17.8% of revenue. This profit can be retained or distributed to shareholders.
150 450 €
150 450 €
27 741 €
26 720 €
26 804 €
18.4%
The debt ratio (= Financial debt / Equity x 100) stands at -87%. 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 -512%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 18.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
-86.727%
-511.701%
18.024%
2.357
65.0%
In 2024, the debt ratio of GAIA COURTAGE (-86.73) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of GAIA COURTAGE (-511.7%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.
In 2024, the repayment capacity of GAIA COURTAGE (2.36) 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 40.55. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
40.552
0.0
In 2024, the liquidity ratio of GAIA COURTAGE (40.55) 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 GAIA 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. Favorable situation: supplier credit is longer than customer credit by 18 days. WCR is negative (-20 days): operations structurally generate cash. Over 2020-2024, WCR increased by +44%, requiring additional financing.
-8 348 €
19 j
37 j
0 j
-20 j
Based on 193 transactions of similar company sales (all years), the value of GAIA COURTAGE is estimated at 71 923 € (range 21 806€ - 217 445€). With an EBITDA of 27 741€, 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 GAIA COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of GAIA COURTAGE in 2024 is 150 k€.
Yes, GAIA COURTAGE generated a net profit of 27 k€ in 2024.
The headquarters of GAIA COURTAGE is located in PERIGNY (17180), in the department Charente-Maritime.
The tax return of GAIA 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).
GAIA 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.