LE COMPTOIR FINANCIER : revenue, balance sheet and financial ratios

LE COMPTOIR FINANCIER is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2019 a revenue of 366 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

Financial history - LE COMPTOIR FINANCIER (SIREN 508753688)
Indicator 2023 2019 2018 2017
Revenue N/C 365 665 € 309 505 € 254 262 €
Net income 10 921 € 26 197 € 45 488 € 29 768 €
EBITDA N/C 32 551 € 57 828 € 35 666 €
Net margin N/C 7.2% 14.7% 11.7%

Revenue and income statement

In 2023, LE COMPTOIR FINANCIER generates positive net income of 11 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2023: 30 k€ -> 11 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

10 921 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 457%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

456.749%

Financial autonomy (2023) ?
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

14.153%

Asset age ratio (2023) ?
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

4.2%

Solvency indicators evolution
LE COMPTOIR FINANCIER

Sector positioning

Debt ratio
456.75 2023
2018
2019
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average

In 2023, the debt ratio of LE COMPTOIR FINANCIER (456.75) 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
14.15% 2023
2018
2019
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Average -12 pts over 3 years

In 2023, the financial autonomy of LE COMPTOIR FINANCIER (14.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
7.22 years 2019
2018
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Watch

In 2019, the repayment capacity of LE COMPTOIR FINANCIER (7.22) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 470.81. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

470.813

Liquidity indicators evolution
LE COMPTOIR FINANCIER

Sector positioning

Liquidity ratio
470.81 2023
2018
2019
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Good -8 pts over 3 years

In 2023, the liquidity ratio of LE COMPTOIR FINANCIER (470.81) 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.

Interest coverage
0.41x 2019
2018
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Good +29 pts over 2 years

In 2019, the interest coverage of LE COMPTOIR FINANCIER (0.4x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 278 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 224 days. The gap of 54 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow.

Operating WCR (2023) ?
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 (2023) ?
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

278 j

Supplier credit (2023) ?
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

224 j

Inventory turnover (2023) ?
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
LE COMPTOIR FINANCIER

Positioning of LE COMPTOIR FINANCIER in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of LE COMPTOIR FINANCIER is estimated at 21 980 € (range 10 397€ - 100 360€). 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.

Estimated enterprise value 2023
193 transactions
10k€ 21k€ 100k€
21 980 € Range: 10 397€ - 100 360€
NAF 5 all-time

Valuation method used

Net Income Multiple
10 921 € × 2.0x = 21 980 €
Range: 10 397€ - 100 360€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

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.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare LE COMPTOIR FINANCIER with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about LE COMPTOIR FINANCIER

What is the revenue of LE COMPTOIR FINANCIER ?

The revenue of LE COMPTOIR FINANCIER in 2019 is 366 k€.

Is LE COMPTOIR FINANCIER profitable?

Yes, LE COMPTOIR FINANCIER generated a net profit of 11 k€ in 2023.

Where is the headquarters of LE COMPTOIR FINANCIER ?

The headquarters of LE COMPTOIR FINANCIER is located in PARIS (75008), in the department Paris.

Where to find the tax return of LE COMPTOIR FINANCIER ?

The tax return of LE COMPTOIR FINANCIER 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 LE COMPTOIR FINANCIER operate?

LE COMPTOIR FINANCIER 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.