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INVEST COURTIER EFFICACE : revenue, balance sheet and financial ratios

INVEST COURTIER EFFICACE is a French company founded 18 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in NANTES (44000), this company of category PME shows in 2020 a revenue of 2.7 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 - INVEST COURTIER EFFICACE (SIREN 503009227)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017
Revenue N/C N/C N/C N/C 2 651 550 € N/C N/C N/C
Net income -194 830 € -94 952 € 94 178 € -8 897 € 185 022 € 109 978 € -135 637 € 204 551 €
EBITDA N/C N/C N/C N/C 287 963 € N/C N/C N/C
Net margin N/C N/C N/C N/C 7.0% N/C N/C N/C

Revenue and income statement

In 2024, INVEST COURTIER EFFICACE records a net loss of 195 k€. This deficit will reduce equity on the balance sheet.

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

-194 830 €

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Chart evolution

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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 142%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory.

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

142.301%

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

38.362%

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

86.6%

Solvency indicators evolution
INVEST COURTIER EFFICACE

Sector positioning

Debt ratio
142.3 2024
2022
2023
2024
Q1: 0.0
Med: 3.37
Q3: 50.52
Average

In 2024, the debt ratio of INVEST COURTIER EFFICACE (142.30) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
38.36% 2024
2022
2023
2024
Q1: 2.67%
Med: 40.69%
Q3: 75.63%
Average

In 2024, the financial autonomy of INVEST COURTIER EFFICACE (38.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1659.23. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

1659.231

Liquidity indicators evolution
INVEST COURTIER EFFICACE

Sector positioning

Liquidity ratio
1659.23 2024
2022
2023
2024
Q1: 139.62
Med: 325.32
Q3: 1062.61
Excellent +15 pts over 3 years

In 2024, the liquidity ratio of INVEST COURTIER EFFICACE (1659.23) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

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

0 €

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

0 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 and payment terms evolution
INVEST COURTIER EFFICACE

Positioning of INVEST COURTIER EFFICACE in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Similar companies (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare INVEST COURTIER EFFICACE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about INVEST COURTIER EFFICACE

What is the revenue of INVEST COURTIER EFFICACE ?

The revenue of INVEST COURTIER EFFICACE in 2020 is 2.7 M€.

Is INVEST COURTIER EFFICACE profitable?

INVEST COURTIER EFFICACE recorded a net loss in 2024.

Where is the headquarters of INVEST COURTIER EFFICACE ?

The headquarters of INVEST COURTIER EFFICACE is located in NANTES (44000), in the department Loire-Atlantique.

Where to find the tax return of INVEST COURTIER EFFICACE ?

The tax return of INVEST COURTIER EFFICACE 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 INVEST COURTIER EFFICACE operate?

INVEST COURTIER EFFICACE operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.