SIREN : 445234800
GILBERT COURTAGE is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ROANNE (42300), this company of category PME shows in 2025 a revenue of 477 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 476 667 € | 456 275 € | 560 485 € | 490 006 € | 490 006 € | 420 051 € | 409 696 € | 324 426 € |
| Net income | 135 007 € | 127 943 € | 244 747 € | 112 128 € | 112 128 € | 111 796 € | 114 303 € | 79 823 € |
| EBITDA | 177 092 € | 164 618 € | 120 132 € | 148 044 € | 148 044 € | 146 955 € | 150 703 € | 112 781 € |
| Net margin | 28.3% | 28.0% | 43.7% | 22.9% | 22.9% | 26.6% | 27.9% | 24.6% |
In 2025, GILBERT COURTAGE achieves revenue of 477 k€. Revenue is growing positively over 8 years (CAGR: +4.4%). Vs 2024: +4%. After deducting consumption (0 €), gross margin stands at 477 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 177 k€, representing 37.2% 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 135 k€, i.e. 28.3% of revenue. This profit can be retained or distributed to shareholders.
476 667 €
476 667 €
177 092 €
175 464 €
135 007 €
37.2%
The debt ratio (= Financial debt / Equity x 100) stands at 5%. 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 91%. 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 28.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
4.709%
90.713%
28.635%
0.177
9.5%
In 2025, the debt ratio of GILBERT COURTAGE (4.71) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of GILBERT COURTAGE (90.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of GILBERT 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 877.07. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
877.072
0.204
In 2025, the liquidity ratio of GILBERT COURTAGE (877.07) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2025, the interest coverage of GILBERT COURTAGE (0.2x) 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: 49 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. The company must finance 24 days of gap between collections and payments. Overall, WCR represents 54 days of revenue, i.e. 71 k€ to permanently finance. Over 2016-2025, WCR increased by +1324%, requiring additional financing.
71 052 €
49 j
25 j
0 j
54 j
Based on 193 transactions of similar company sales (all years), the value of GILBERT COURTAGE is estimated at 302 030 € (range 92 571€ - 1 056 587€). With an EBITDA of 177 092€, 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 GILBERT COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of GILBERT COURTAGE in 2025 is 477 k€.
Yes, GILBERT COURTAGE generated a net profit of 135 k€ in 2025.
The headquarters of GILBERT COURTAGE is located in ROANNE (42300), in the department Loire.
The tax return of GILBERT 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).
GILBERT 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.