SIREN : 752947002
MNH COURTAGE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75012), this company of category ETI shows in 2024 a revenue of 105 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 105 277 € | 109 940 € | 106 082 € | 138 888 € | 138 213 € | 142 761 € | 133 943 € | 108 373 € | 100 921 € |
| Net income | 53 996 € | 71 949 € | 13 129 € | -21 620 € | -324 702 € | -72 439 € | -838 206 € | -422 727 € | -145 167 € |
| EBITDA | 95 969 € | 96 640 € | 97 054 € | 128 688 € | -158 682 € | -160 836 € | -949 879 € | -513 867 € | -1 345 456 € |
| Net margin | 51.3% | 65.4% | 12.4% | -15.6% | -234.9% | -50.7% | -625.8% | -390.1% | -143.8% |
In 2024, MNH COURTAGE achieves revenue of 105 k€. Revenue is growing positively over 9 years (CAGR: +0.5%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 105 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 96 k€, representing 91.2% of revenue. Positive scissor effect: EBITDA margin improves by +3.3 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 54 k€, i.e. 51.3% of revenue. This profit can be retained or distributed to shareholders.
105 277 €
105 277 €
95 969 €
95 819 €
53 996 €
91.2%
The debt ratio (= Financial debt / Equity x 100) stands at 19%. 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 83%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 51.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
19.187%
82.797%
51.289%
0.803
In 2024, the debt ratio of MNH COURTAGE (19.19) 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 MNH COURTAGE (82.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of MNH COURTAGE (0.80) 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 7483.69. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 0.3x. Danger: operating income does not cover interest charges, unsustainable situation.
7483.691
0.272
In 2024, the liquidity ratio of MNH COURTAGE (7483.69) 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 MNH COURTAGE (0.3x) 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) 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: 122 days. Excellent situation: suppliers finance 122 days of the operating cycle (retail model). Overall, WCR represents 639 days of revenue, i.e. 187 k€ to permanently finance. Notable WCR improvement over the period (-93%), freeing up cash.
186 872 €
0 j
122 j
0 j
639 j
Based on 193 transactions of similar company sales (all years), the value of MNH COURTAGE is estimated at 110 855 € (range 33 938€ - 453 469€). With an EBITDA of 95 969€, 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 MNH COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of MNH COURTAGE in 2024 is 105 k€.
Yes, MNH COURTAGE generated a net profit of 54 k€ in 2024.
The headquarters of MNH COURTAGE is located in PARIS (75012), in the department Paris.
The tax return of MNH 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).
MNH 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.