LYON COURTAGE ASSURANCE : revenue, balance sheet and financial ratios

LYON COURTAGE ASSURANCE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CALUIRE-ET-CUIRE (69300), this company of category PME shows in 2016 a revenue of 19 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 - LYON COURTAGE ASSURANCE (SIREN 810872085)
Indicator 2016 2015
Revenue 19 372 € 3 148 €
Net income 8 571 € 297 €
EBITDA 10 088 € 350 €
Net margin 44.2% 9.4%

Revenue and income statement

In 2016, LYON COURTAGE ASSURANCE achieves revenue of 19 k€. Vs 2015, growth of +515% (3 k€ -> 19 k€). After deducting consumption (0 €), gross margin stands at 19 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 10 k€, representing 52.1% of revenue. Positive scissor effect: EBITDA margin improves by +41.0 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 9 k€, i.e. 44.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

19 372 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

19 372 €

EBITDA (2016) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

10 088 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

10 084 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

8 571 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

52.1%

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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 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 53%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 44.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2016) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2016) ?
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

53.132%

Cash flow / Revenue (2016) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

44.244%

Repayment capacity (2016) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.0

Solvency indicators evolution
LYON COURTAGE ASSURANCE

Sector positioning

Debt ratio
0.0 2016
2015
2016
Q1: 0.0
Med: 7.68
Q3: 54.19
Excellent

In 2016, the debt ratio of LYON COURTAGE ASSURANCE (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.

Financial autonomy
53.13% 2016
2015
2016
Q1: 11.77%
Med: 42.8%
Q3: 70.67%
Good -12 pts over 2 years

In 2016, the financial autonomy of LYON COURTAGE ASSURANCE (53.1%) 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.

Repayment capacity
0.0 years 2016
2015
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Excellent

In 2016, the repayment capacity of LYON COURTAGE ASSURANCE (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 251.33. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2016) ?
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

251.328

Interest coverage (2016) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
LYON COURTAGE ASSURANCE

Sector positioning

Liquidity ratio
251.33 2016
2015
2016
Q1: 106.39
Med: 191.21
Q3: 431.0
Good -19 pts over 2 years

In 2016, the liquidity ratio of LYON COURTAGE ASSURANCE (251.33) 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
0.0x 2016
2015
2016
Q1: 0.0x
Med: 0.0x
Q3: 3.01x
Average

In 2016, the interest coverage of LYON COURTAGE ASSURANCE (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 71 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 255 days. Excellent situation: suppliers finance 184 days of the operating cycle (retail model). Overall, WCR represents 149 days of revenue, i.e. 8 k€ to permanently finance.

Operating WCR (2016) ?
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

8 003 €

Customer credit (2016) ?
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

71 j

Supplier credit (2016) ?
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

255 j

Inventory turnover (2016) ?
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 in days of revenue (2016) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

149 j

WCR and payment terms evolution
LYON COURTAGE ASSURANCE

Positioning of LYON COURTAGE ASSURANCE 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 LYON COURTAGE ASSURANCE is estimated at 15 266 € (range 4 801€ - 57 541€). With an EBITDA of 10 088€, 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.

Estimated enterprise value 2016
193 transactions
4k€ 15k€ 57k€
15 266 € Range: 4 801€ - 57 541€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
10 088 € × 1.2x
Estimation 12 213 €
3 155€ - 62 339€
Revenue Multiple 30%
19 372 € × 0.98x
Estimation 19 032 €
5 307€ - 35 395€
Net Income Multiple 20%
8 571 € × 2.0x
Estimation 17 251 €
8 160€ - 78 764€

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 LYON COURTAGE ASSURANCE with other companies in the same sector:

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

Frequently asked questions about LYON COURTAGE ASSURANCE

What is the revenue of LYON COURTAGE ASSURANCE ?

The revenue of LYON COURTAGE ASSURANCE in 2016 is 19 k€.

Is LYON COURTAGE ASSURANCE profitable?

Yes, LYON COURTAGE ASSURANCE generated a net profit of 9 k€ in 2016.

Where is the headquarters of LYON COURTAGE ASSURANCE ?

The headquarters of LYON COURTAGE ASSURANCE is located in CALUIRE-ET-CUIRE (69300), in the department Rhone.

Where to find the tax return of LYON COURTAGE ASSURANCE ?

The tax return of LYON COURTAGE ASSURANCE 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 LYON COURTAGE ASSURANCE operate?

LYON COURTAGE ASSURANCE 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.