SIREN : 838660207
GALY COURTAGE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in L'UNION (31240), this company of category PME shows in 2022 a revenue of 227 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
| Indicator | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|
| Revenue | 227 357 € | 187 545 € | 142 789 € | 147 016 € |
| Net income | 34 281 € | 28 767 € | 9 155 € | 35 882 € |
| EBITDA | 49 649 € | 51 952 € | 23 277 € | 55 465 € |
| Net margin | 15.1% | 15.3% | 6.4% | 24.4% |
In 2022, GALY COURTAGE achieves revenue of 227 k€. Over the period 2019-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +15.6%. Vs 2021, growth of +21% (188 k€ -> 227 k€). After deducting consumption (0 €), gross margin stands at 227 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 50 k€, representing 21.8% of revenue. Warning negative scissor effect: despite revenue change (+21%), EBITDA varies by -4%, reducing margin by 5.9 pts. This reflects costs rising faster than 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 34 k€, i.e. 15.1% of revenue. This profit can be retained or distributed to shareholders.
227 357 €
227 357 €
49 649 €
43 643 €
34 281 €
21.8%
The debt ratio (= Financial debt / Equity x 100) stands at 149%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
149.46%
50.772%
17.72%
1.483
62.4%
In 2022, the debt ratio of GALY COURTAGE (149.46) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2022, the financial autonomy of GALY COURTAGE (50.8%) 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.
In 2022, the repayment capacity of GALY COURTAGE (1.48) 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 424.31. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.
424.308
1.13
In 2022, the liquidity ratio of GALY COURTAGE (424.31) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2022, the interest coverage of GALY COURTAGE (1.1x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. Favorable situation: supplier credit is longer than customer credit by 22 days. WCR is negative (-3 days): operations structurally generate cash. Notable WCR improvement over the period (-107%), freeing up cash.
-2 151 €
3 j
25 j
0 j
-3 j
Based on 193 transactions of similar company sales (all years), the value of GALY COURTAGE is estimated at 110 861 € (range 32 976€ - 341 034€). With an EBITDA of 49 649€, 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 GALY COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of GALY COURTAGE in 2022 is 227 k€.
Yes, GALY COURTAGE generated a net profit of 34 k€ in 2022.
The headquarters of GALY COURTAGE is located in L'UNION (31240), in the department Haute-Garonne.
The tax return of GALY 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).
GALY 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.