SIREN : 379891864
INTERFIN COURTAGE is a French company founded 35 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHECY (45430), this company of category ETI shows in 2024 a revenue of 2.9 M€. 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 | 2022 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 2 939 322 € | 3 000 957 € | 2 638 653 € | 2 361 552 € | 2 299 777 € | 2 313 538 € |
| Net income | 229 361 € | 311 075 € | 169 661 € | 158 627 € | -21 247 € | 24 645 € |
| EBITDA | 176 576 € | 251 623 € | 159 907 € | 35 094 € | -16 119 € | 39 764 € |
| Net margin | 7.8% | 10.4% | 6.4% | 6.7% | -0.9% | 1.1% |
In 2024, INTERFIN COURTAGE achieves revenue of 2.9 M€. Revenue is growing positively over 6 years (CAGR: +3.5%). Slight decline of -2% vs 2023. After deducting consumption (0 €), gross margin stands at 2.9 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 177 k€, representing 6.0% of revenue. Warning negative scissor effect: despite revenue change (-2%), EBITDA varies by -30%, reducing margin by 2.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 229 k€, i.e. 7.8% of revenue. This profit can be retained or distributed to shareholders.
2 939 322 €
2 939 322 €
176 576 €
151 629 €
229 361 €
6.0%
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 69%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 4.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
0.0%
69.278%
3.965%
0.0
In 2024, the debt ratio of INTERFIN 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 INTERFIN COURTAGE (69.3%) 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.
In 2024, the repayment capacity of INTERFIN 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.
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: 50 days. Excellent situation: suppliers finance 50 days of the operating cycle (retail model). WCR is negative (-17 days): operations structurally generate cash. Notable WCR improvement over the period (-118%), freeing up cash.
-139 500 €
0 j
50 j
0 j
-17 j
Based on 193 transactions of similar company sales (all years), the value of INTERFIN COURTAGE is estimated at 1 065 513 € (range 312 862€ - 2 578 298€). With an EBITDA of 176 576€, 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 INTERFIN COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of INTERFIN COURTAGE in 2024 is 2.9 M€.
Yes, INTERFIN COURTAGE generated a net profit of 229 k€ in 2024.
The headquarters of INTERFIN COURTAGE is located in CHECY (45430), in the department Loiret.
The tax return of INTERFIN 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).
INTERFIN 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.