MATHIAUD BOUCARD COURT ASSURAN : revenue, balance sheet and financial ratios

MATHIAUD BOUCARD COURT ASSURAN is a French company founded 49 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category PME shows in 2025 a revenue of 602 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - MATHIAUD BOUCARD COURT ASSURAN (SIREN 309954279)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue 601 770 € 616 103 € 577 305 € 484 862 € 472 714 € 478 905 € 463 386 € 470 604 € 516 404 €
Net income 154 112 € 170 615 € 171 545 € 120 402 € 120 671 € 111 469 € 92 538 € 101 195 € 125 023 €
EBITDA 196 379 € 201 580 € 221 808 € 159 754 € 161 822 € 148 227 € 123 314 € 138 218 € 177 307 €
Net margin 25.6% 27.7% 29.7% 24.8% 25.5% 23.3% 20.0% 21.5% 24.2%

Revenue and income statement

In 2025, MATHIAUD BOUCARD COURT ASSURAN achieves revenue of 602 k€. Revenue is growing positively over 9 years (CAGR: +1.9%). Slight decline of -2% vs 2024. After deducting consumption (5 k€), gross margin stands at 597 k€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 196 k€, representing 32.6% of 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 154 k€, i.e. 25.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

601 770 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

597 203 €

EBITDA (2025) ?
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

196 379 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

194 572 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

154 112 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

32.6%

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 96%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 25.9% 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 (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

96.27%

Financial autonomy (2025) ?
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

34.963%

Cash flow / Revenue (2025) ?
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

25.906%

Repayment capacity (2025) ?
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

1.763

Asset age ratio (2025) ?
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

0.7%

Solvency indicators evolution
MATHIAUD BOUCARD COURT ASSURAN

Sector positioning

Debt ratio
96.27 2025
2023
2024
2025
Q1: 0.0
Med: 5.27
Q3: 45.01
Watch +19 pts over 3 years

In 2025, the debt ratio of MATHIAUD BOUCARD COURT AS... (96.27) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
34.96% 2025
2023
2024
2025
Q1: 14.56%
Med: 50.89%
Q3: 78.66%
Average -29 pts over 3 years

In 2025, the financial autonomy of MATHIAUD BOUCARD COURT AS... (35.0%) 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
1.76 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Watch +20 pts over 3 years

In 2025, the repayment capacity of MATHIAUD BOUCARD COURT AS... (1.76) 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 281.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

281.265

Interest coverage (2025) ?
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
MATHIAUD BOUCARD COURT ASSURAN

Sector positioning

Liquidity ratio
281.26 2025
2023
2024
2025
Q1: 157.83
Med: 327.31
Q3: 847.28
Average -20 pts over 3 years

In 2025, the liquidity ratio of MATHIAUD BOUCARD COURT AS... (281.26) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Average

In 2025, the interest coverage of MATHIAUD BOUCARD COURT AS... (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: 88 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 358 days. Excellent situation: suppliers finance 270 days of the operating cycle (retail model). Overall, WCR represents 52 days of revenue, i.e. 87 k€ to permanently finance. Over 2017-2025, WCR increased by +342%, requiring additional financing.

Operating WCR (2025) ?
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

87 395 €

Customer credit (2025) ?
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

88 j

Supplier credit (2025) ?
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

358 j

Inventory turnover (2025) ?
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 (2025) ?
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

52 j

WCR and payment terms evolution
MATHIAUD BOUCARD COURT ASSURAN

Positioning of MATHIAUD BOUCARD COURT ASSURAN 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 MATHIAUD BOUCARD COURT ASSURAN is estimated at 358 267 € (range 109 507€ - 1 219 867€). With an EBITDA of 196 379€, 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 2025
193 transactions
109k€ 358k€ 1219k€
358 267 € Range: 109 507€ - 1 219 867€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
196 379 € × 1.2x
Estimation 237 747 €
61 408€ - 1 213 529€
Revenue Multiple 30%
601 770 € × 0.98x
Estimation 591 196 €
164 865€ - 1 099 522€
Net Income Multiple 20%
154 112 € × 2.0x
Estimation 310 177 €
146 719€ - 1 416 234€

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 MATHIAUD BOUCARD COURT ASSURAN with other companies in the same sector:

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

Frequently asked questions about MATHIAUD BOUCARD COURT ASSURAN

What is the revenue of MATHIAUD BOUCARD COURT ASSURAN ?

The revenue of MATHIAUD BOUCARD COURT ASSURAN in 2025 is 602 k€.

Is MATHIAUD BOUCARD COURT ASSURAN profitable?

Yes, MATHIAUD BOUCARD COURT ASSURAN generated a net profit of 154 k€ in 2025.

Where is the headquarters of MATHIAUD BOUCARD COURT ASSURAN ?

The headquarters of MATHIAUD BOUCARD COURT ASSURAN is located in PARIS (75009), in the department Paris.

Where to find the tax return of MATHIAUD BOUCARD COURT ASSURAN ?

The tax return of MATHIAUD BOUCARD COURT ASSURAN 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 MATHIAUD BOUCARD COURT ASSURAN operate?

MATHIAUD BOUCARD COURT ASSURAN 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.