GBA COURTAGE : revenue, balance sheet and financial ratios

GBA COURTAGE is a French company founded 26 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75016), this company of category PME shows in 2017 a revenue of 406 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 - GBA COURTAGE (SIREN 424580488)
Indicator 2024 2017 2016
Revenue N/C 405 987 € 442 248 €
Net income 62 550 € 57 382 € 42 303 €
EBITDA N/C 72 815 € 54 176 €
Net margin N/C 14.1% 9.6%

Revenue and income statement

In 2024, GBA COURTAGE generates positive net income of 63 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 42 k€ -> 63 k€.

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

62 550 €

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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 15%. 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 25%. The balance between equity and debt is satisfactory.

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

14.929%

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

24.694%

Solvency indicators evolution
GBA COURTAGE

Sector positioning

Debt ratio
14.93 2024
2016
2017
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average

In 2024, the debt ratio of GBA COURTAGE (14.93) 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
24.69% 2024
2016
2017
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average -10 pts over 3 years

In 2024, the financial autonomy of GBA COURTAGE (24.7%) 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
0.21 years 2017
2016
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Average

In 2017, the repayment capacity of GBA COURTAGE (0.21) 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 138.19. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

138.194

Liquidity indicators evolution
GBA COURTAGE

Sector positioning

Liquidity ratio
138.19 2024
2016
2017
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average -13 pts over 3 years

In 2024, the liquidity ratio of GBA COURTAGE (138.19) 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
0.0x 2017
2016
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.77x
Average

In 2017, the interest coverage of GBA 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 (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

0 €

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

0 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

0 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 and payment terms evolution
GBA COURTAGE

Positioning of GBA 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 GBA COURTAGE is estimated at 125 892 € (range 59 549€ - 574 812€). 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
59k€ 125k€ 574k€
125 892 € Range: 59 549€ - 574 812€
NAF 5 all-time

Valuation method used

Net Income Multiple
62 550 € × 2.0x = 125 892 €
Range: 59 550€ - 574 812€

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 GBA COURTAGE with other companies in the same sector:

Frequently asked questions about GBA COURTAGE

What is the revenue of GBA COURTAGE ?

The revenue of GBA COURTAGE in 2017 is 406 k€.

Is GBA COURTAGE profitable?

Yes, GBA COURTAGE generated a net profit of 63 k€ in 2024.

Where is the headquarters of GBA COURTAGE ?

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

Where to find the tax return of GBA COURTAGE ?

The tax return of GBA 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 GBA COURTAGE operate?

GBA 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.