SIREN : 451547285
HERITEAU COURTAGE is a French company founded 22 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MARMANDE (47200), this company of category PME shows in 2024 a revenue of 58 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 58 431 € | 54 559 € | 51 456 € | 45 402 € | 42 594 € | 42 764 € | 42 636 € | 50 475 € |
| Net income | 7 930 € | 7 673 € | 7 332 € | 1 078 € | -447 € | -187 € | -3 385 € | 4 209 € |
| EBITDA | 8 923 € | 8 729 € | 7 977 € | 1 677 € | 314 € | 573 € | -2 625 € | 4 610 € |
| Net margin | 13.6% | 14.1% | 14.2% | 2.4% | -1.0% | -0.4% | -7.9% | 8.3% |
In 2024, HERITEAU COURTAGE achieves revenue of 58 k€. Revenue is growing positively over 8 years (CAGR: +1.8%). Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 58 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 9 k€, representing 15.3% 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 8 k€, i.e. 13.6% of revenue. This profit can be retained or distributed to shareholders.
58 431 €
58 431 €
8 923 €
7 930 €
7 930 €
15.3%
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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 15.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
0.0%
15.564%
0.0
28.9%
In 2024, the debt ratio of HERITEAU COURTAGE (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.
In 2024, the financial autonomy of HERITEAU COURTAGE (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of HERITEAU COURTAGE (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 284.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
284.132
0.0
In 2024, the liquidity ratio of HERITEAU COURTAGE (284.13) 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 2024, the interest coverage of HERITEAU 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. Favorable situation: supplier credit is longer than customer credit by 4 days. WCR is negative (-40 days): operations structurally generate cash.
-6 563 €
1 j
5 j
0 j
-40 j
Based on 193 transactions of similar company sales (all years), the value of HERITEAU COURTAGE is estimated at 25 814 € (range 7 707€ - 74 173€). With an EBITDA of 8 923€, 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 HERITEAU COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of HERITEAU COURTAGE in 2024 is 58 k€.
Yes, HERITEAU COURTAGE generated a net profit of 8 k€ in 2024.
The headquarters of HERITEAU COURTAGE is located in MARMANDE (47200), in the department Lot-et-Garonne.
The tax return of HERITEAU 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).
HERITEAU 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.