GESTION COURTAGE ASSURANCES PERSONNE H2T : revenue, balance sheet and financial ratios

GESTION COURTAGE ASSURANCES PERSONNE H2T is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69002), this company of category PME shows in 2024 a revenue of 1.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - GESTION COURTAGE ASSURANCES PERSONNE H2T (SIREN 433424439)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 1 878 050 € 1 758 600 € 4 657 408 € 1 399 944 € 1 017 201 € 955 251 € 838 230 € 841 400 € 768 924 €
Net income 676 793 € 505 483 € 1 196 770 € 214 449 € 138 132 € 55 095 € 43 070 € 26 373 € 13 601 €
EBITDA 892 525 € 633 245 € 1 560 716 € 349 327 € 210 374 € 93 835 € 72 392 € 55 894 € -881 €
Net margin 36.0% 28.7% 25.7% 15.3% 13.6% 5.8% 5.1% 3.1% 1.8%

Revenue and income statement

In 2024, GESTION COURTAGE ASSURANCES PERSONNE H2T achieves revenue of 1.9 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.8%. Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 1.9 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 893 k€, representing 47.5% of revenue. Positive scissor effect: EBITDA margin improves by +11.5 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 677 k€, i.e. 36.0% 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

1 878 050 €

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

1 878 050 €

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

892 525 €

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

876 121 €

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

676 793 €

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

47.5%

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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 0%. 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 70%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 37.0% 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

0.0%

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

70.109%

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

36.958%

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

0.0

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

8.0%

Solvency indicators evolution
GESTION COURTAGE ASSURANCES PERSONNE H2T

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent -19 pts over 3 years

In 2024, the debt ratio of GESTION COURTAGE ASSURANC... (0.00) 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.

Financial autonomy
70.11% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good

In 2024, the financial autonomy of GESTION COURTAGE ASSURANC... (70.1%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent -26 pts over 3 years

In 2024, the repayment capacity of GESTION COURTAGE ASSURANC... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 482.45. 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 1.4x. Coverage is limited: any activity downturn would jeopardize interest payments.

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

482.45

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

1.392

Liquidity indicators evolution
GESTION COURTAGE ASSURANCES PERSONNE H2T

Sector positioning

Liquidity ratio
482.45 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +6 pts over 3 years

In 2024, the liquidity ratio of GESTION COURTAGE ASSURANC... (482.45) 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.

Interest coverage
1.39x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Good +16 pts over 3 years

In 2024, the interest coverage of GESTION COURTAGE ASSURANC... (1.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 44 days. Excellent situation: suppliers finance 44 days of the operating cycle (retail model). Overall, WCR represents 60 days of revenue, i.e. 315 k€ to permanently finance. Over 2016-2024, WCR increased by +352%, 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

314 987 €

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

44 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

60 j

WCR and payment terms evolution
GESTION COURTAGE ASSURANCES PERSONNE H2T

Positioning of GESTION COURTAGE ASSURANCES PERSONNE H2T 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 GESTION COURTAGE ASSURANCES PERSONNE H2T is estimated at 1 366 216 € (range 422 768€ - 5 031 029€). With an EBITDA of 892 525€, 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
422k€ 1366k€ 5031k€
1 366 216 € Range: 422 768€ - 5 031 029€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
892 525 € × 1.2x
Estimation 1 080 539 €
279 092€ - 5 515 382€
Revenue Multiple 30%
1 878 050 € × 0.98x
Estimation 1 845 049 €
514 523€ - 3 431 472€
Net Income Multiple 20%
676 793 € × 2.0x
Estimation 1 362 161 €
644 328€ - 6 219 485€

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 GESTION COURTAGE ASSURANCES PERSONNE H2T with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about GESTION COURTAGE ASSURANCES PERSONNE H2T

What is the revenue of GESTION COURTAGE ASSURANCES PERSONNE H2T ?

The revenue of GESTION COURTAGE ASSURANCES PERSONNE H2T in 2024 is 1.9 M€.

Is GESTION COURTAGE ASSURANCES PERSONNE H2T profitable?

Yes, GESTION COURTAGE ASSURANCES PERSONNE H2T generated a net profit of 677 k€ in 2024.

Where is the headquarters of GESTION COURTAGE ASSURANCES PERSONNE H2T ?

The headquarters of GESTION COURTAGE ASSURANCES PERSONNE H2T is located in LYON (69002), in the department Rhone.

Where to find the tax return of GESTION COURTAGE ASSURANCES PERSONNE H2T ?

The tax return of GESTION COURTAGE ASSURANCES PERSONNE H2T 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 GESTION COURTAGE ASSURANCES PERSONNE H2T operate?

GESTION COURTAGE ASSURANCES PERSONNE H2T 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.