SIREN : 537569329
H.TCOURTAGE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CROSSAC (44160), this company of category PME shows in 2024 a revenue of 237 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 | 2024 | 2023 | 2021 | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 236 949 € | 205 426 € | 274 145 € | 177 549 € | 149 889 € | 134 471 € | 139 057 € |
| Net income | 21 953 € | 28 972 € | 17 500 € | 30 943 € | 26 754 € | 24 075 € | 28 386 € |
| EBITDA | 27 198 € | 39 780 € | 27 012 € | 35 772 € | 33 797 € | 33 440 € | 40 374 € |
| Net margin | 9.3% | 14.1% | 6.4% | 17.4% | 17.8% | 17.9% | 20.4% |
In 2024, H.TCOURTAGE achieves revenue of 237 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.9%. Vs 2023, growth of +15% (205 k€ -> 237 k€). After deducting consumption (0 €), gross margin stands at 237 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 27 k€, representing 11.5% of revenue. Warning negative scissor effect: despite revenue change (+15%), EBITDA varies by -32%, reducing margin by 7.9 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 22 k€, i.e. 9.3% of revenue. This profit can be retained or distributed to shareholders.
236 949 €
236 949 €
27 198 €
22 182 €
21 953 €
11.5%
The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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 81%. 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 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 11.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
19.618%
80.703%
11.885%
1.849
55.6%
In 2024, the debt ratio of H.TCOURTAGE (19.62) 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 2024, the financial autonomy of H.TCOURTAGE (80.7%) 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 2024, the repayment capacity of H.TCOURTAGE (1.85) 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 855.48. 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 1.0x. Coverage is limited: any activity downturn would jeopardize interest payments.
855.476
1.044
In 2024, the liquidity ratio of H.TCOURTAGE (855.48) 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 2024, the interest coverage of H.TCOURTAGE (1.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 4 days. Favorable situation: supplier credit is longer than customer credit by 4 days. WCR is negative (-12 days): operations structurally generate cash. Notable WCR improvement over the period (-1229%), freeing up cash.
-7 677 €
0 j
4 j
0 j
-12 j
Based on 193 transactions of similar company sales (all years), the value of H.TCOURTAGE is estimated at 95 136 € (range 27 907€ - 254 265€). With an EBITDA of 27 198€, 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 H.TCOURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of H.TCOURTAGE in 2024 is 237 k€.
Yes, H.TCOURTAGE generated a net profit of 22 k€ in 2024.
The headquarters of H.TCOURTAGE is located in CROSSAC (44160), in the department Loire-Atlantique.
The tax return of H.TCOURTAGE 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).
H.TCOURTAGE 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.