SIREN : 494473838
KERPSAD COURTAGE is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75017), this company of category PME shows in 2024 a revenue of 1.5 M€. 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 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 515 694 € | 1 615 378 € | 1 818 536 € | 1 753 727 € | 2 210 739 € | 2 615 637 € | 201 431 € | 255 053 € | 259 642 € |
| Net income | 1 085 019 € | 1 114 789 € | 1 182 361 € | 1 151 460 € | 1 327 508 € | 1 666 096 € | -334 027 € | 277 178 € | 160 384 € |
| EBITDA | 1 381 639 € | 1 438 912 € | 1 575 158 € | 1 569 477 € | 2 013 134 € | 2 461 102 € | 180 418 € | 276 916 € | 159 693 € |
| Net margin | 71.6% | 69.0% | 65.0% | 65.7% | 60.0% | 63.7% | -165.8% | 108.7% | 61.8% |
In 2024, KERPSAD COURTAGE achieves revenue of 1.5 M€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +21.7%. Slight decline of -6% vs 2023. After deducting consumption (0 €), gross margin stands at 1.5 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 1.4 M€, representing 91.2% of revenue. Positive scissor effect: EBITDA margin improves by +2.1 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.1 M€, i.e. 71.6% of revenue. This profit can be retained or distributed to shareholders.
1 515 694 €
1 515 694 €
1 381 639 €
1 381 675 €
1 085 019 €
91.2%
The debt ratio (= Financial debt / Equity x 100) stands at 28%. 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 75%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 71.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
27.539%
75.462%
71.636%
0.333
In 2024, the debt ratio of KERPSAD COURTAGE (27.54) 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 KERPSAD COURTAGE (75.5%) 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 KERPSAD COURTAGE (0.33) 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 2662.15. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2662.153
0.0
In 2024, the liquidity ratio of KERPSAD COURTAGE (2662.15) 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 KERPSAD 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 97 days. Excellent situation: suppliers finance 97 days of the operating cycle (retail model). Overall, WCR represents 50 days of revenue, i.e. 210 k€ to permanently finance. Over 2015-2024, WCR increased by +814%, requiring additional financing.
209 939 €
0 j
97 j
0 j
50 j
Based on 193 transactions of similar company sales (all years), the value of KERPSAD COURTAGE is estimated at 1 719 818 € (range 547 188€ - 7 093 943€). With an EBITDA of 1 381 639€, 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 KERPSAD COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of KERPSAD COURTAGE in 2024 is 1.5 M€.
Yes, KERPSAD COURTAGE generated a net profit of 1.1 M€ in 2024.
The headquarters of KERPSAD COURTAGE is located in PARIS (75017), in the department Paris.
The tax return of KERPSAD 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).
KERPSAD 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.