SIREN : 802772277
J3C COURTAGE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NOISY-LE-GRAND (93160), this company of category PME shows in 2019 a revenue of 118 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 117 960 € | 127 264 € | 152 931 € | 194 177 € |
| Net income | 37 886 € | 51 300 € | 85 429 € | 93 576 € |
| EBITDA | 52 792 € | 61 331 € | 86 399 € | 95 356 € |
| Net margin | 32.1% | 40.3% | 55.9% | 48.2% |
In 2019, J3C COURTAGE achieves revenue of 118 k€. Revenue is declining over the period 2016-2019 (CAGR: -15.3%). Slight decline of -7% vs 2018. After deducting consumption (0 €), gross margin stands at 118 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 53 k€, representing 44.8% of revenue. Warning negative scissor effect: despite revenue change (-7%), EBITDA varies by -14%, reducing margin by 3.4 pts. This reflects costs rising faster than 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 38 k€, i.e. 32.1% of revenue. This profit can be retained or distributed to shareholders.
117 960 €
117 960 €
52 792 €
52 620 €
37 886 €
44.8%
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 68%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 32.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.153%
67.662%
32.118%
0.002
In 2019, the debt ratio of J3C COURTAGE (0.15) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2019, the financial autonomy of J3C COURTAGE (67.7%) 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 2019, the repayment capacity of J3C COURTAGE (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 310.20. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
310.203
0.0
In 2019, the liquidity ratio of J3C COURTAGE (310.20) 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 2019, the interest coverage of J3C 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: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 15 days. WCR is negative (-16 days): operations structurally generate cash. Notable WCR improvement over the period (-134%), freeing up cash.
-5 124 €
24 j
39 j
0 j
-16 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 33 734€ to 209 998€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 J3C COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of J3C COURTAGE in 2019 is 118 k€.
Yes, J3C COURTAGE generated a net profit of 38 k€ in 2019.
The headquarters of J3C COURTAGE is located in NOISY-LE-GRAND (93160), in the department Seine-Saint-Denis.
The tax return of J3C 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).
J3C 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.