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MON COURTIER ASSURE : revenue, balance sheet and financial ratios

MON COURTIER ASSURE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MOURIES (13890), this company of category PME shows in 2016 a revenue of 52 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

Financial history - MON COURTIER ASSURE (SIREN 789119641)
Indicator 2016
Revenue 52 212 €
Net income -7 630 €
EBITDA -7 630 €
Net margin -14.6%

Revenue and income statement

Im Jahr 2016 erzielt MON COURTIER ASSURE einen Umsatz von 52 k€. Nach Abzug des Verbrauchs (0 €) beträgt die Bruttomarge 52 k€, d.h. eine Rate von 100%. Dieses Verhältnis misst die Fähigkeit, aus der Geschäftstätigkeit Wert zu schaffen. EBITDA (= Bruttomarge - Personalkosten - Steuern) erreicht -8 k€, was -14.6% des Umsatzes entspricht. Negatives EBITDA bedeutet, dass der Betrieb die laufenden Kosten nicht deckt. Das Nettoergebnis ist negativ bei -8 k€ (-14.6% des Umsatzes).

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

52 212 €

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

52 212 €

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

-7 630 €

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

-7 630 €

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

-7 630 €

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

-14.6%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

Die Verschuldungsquote (= Finanzschulden / Eigenkapital x 100) beträgt -77%. Dieses niedrige Niveau spiegelt eine solide Finanzstruktur wider. Die finanzielle Autonomie (= Eigenkapital / Bilanzsumme x 100) erreicht -562%. Geringe Autonomie: Das Unternehmen ist stark von externer Finanzierung abhängig.

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

-77.291%

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

-561.799%

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

-14.613%

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

-0.772

Solvency indicators evolution
MON COURTIER ASSURE

Sector positioning

Verschuldungsgrad
-77.29 2016
2016
Q1: 0.0
Med: 7.68
Q3: 54.19
Ausgezeichnet

Im Jahr 2016 liegt in den unteren 25% der Branche, was positiv ist das verschuldungsgrad von MON COURTIER ASSURE (-77.29). Dieses Verhältnis misst das Gewicht der Schulden im Verhältnis zum Eigenkapital. Ein niedriges Verhältnis zeigt eine solide Finanzstruktur mit geringer Abhängigkeit von Gläubigern.

Finanzielle Autonomie
-561.8% 2016
2016
Q1: 11.77%
Med: 42.8%
Q3: 70.67%
Beobachten

Im Jahr 2016 liegt in den unteren 25% der Branche das finanzielle autonomie von MON COURTIER ASSURE (-561.8%). Dieses Verhältnis stellt den Anteil des Eigenkapitals an der Gesamtfinanzierung dar. Geringe Autonomie kann die Investitionsfähigkeit einschränken und die Verwundbarkeit erhöhen.

Rückzahlungsfähigkeit
-0.77 ans 2016
2016
Q1: 0.0 ans
Med: 0.02 ans
Q3: 1.56 ans
Ausgezeichnet

Im Jahr 2016 liegt in den unteren 25% der Branche, was positiv ist das rückzahlungsfähigkeit von MON COURTIER ASSURE (-0.8 an). Dieses Verhältnis gibt die Anzahl der Jahre an, die zur Rückzahlung der Schulden mit dem Cashflow benötigt werden. Eine kurze Kapazität spiegelt kontrollierte Schulden und gute Cashflow-Generierung wider.

Liquidity ratios

Die Liquiditätsquote beträgt 43.95. Das Unternehmen verfügt über 2€ liquide Mittel für jeden 1€ kurzfristiger Schulden.

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

43.955

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
MON COURTIER ASSURE

Sector positioning

Liquiditätsquote
43.95 2016
2016
Q1: 106.39
Med: 191.21
Q3: 431.0
Beobachten

Im Jahr 2016 liegt in den unteren 25% der Branche das liquiditätsquote von MON COURTIER ASSURE (43.95). Dieses Verhältnis misst die Fähigkeit, kurzfristige Schulden mit Umlaufvermögen zu decken. Ein Verhältnis unter 1 kann auf potenzielle Liquiditätsspannungen hinweisen.

Zinsdeckung
0.0x 2016
2016
Q1: 0.0x
Med: 0.0x
Q3: 3.01x
Average

Im Jahr 2016 liegt unter dem Median der Branche das zinsdeckung von MON COURTIER ASSURE (0.0x). Dieses Verhältnis gibt an, wie oft das Betriebsergebnis die Zinsaufwendungen deckt. Eine Verbesserung würde die Wettbewerbsposition stärken.

Working capital requirement (WCR) and payment terms

Der Betriebskapitalbedarf (WCR) misst die zeitliche Lücke. Durchschnittliche Kundenzahlungsfrist: 0 Tage. Lieferantenfrist: 6 Tage. Günstige Situation. WCR ist negativ (-13 Tage): Der Betrieb generiert strukturell Liquidität.

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

-1 849 €

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

0 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

6 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

-13 j

WCR and payment terms evolution
MON COURTIER ASSURE

Positioning of MON COURTIER ASSURE 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 MON COURTIER ASSURE is estimated at 51 294 € (range 14 304€ - 95 398€). 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
14k€ 51k€ 95k€
51 294 € Range: 14 304€ - 95 398€
NAF 5 all-time

Valuation method used

Revenue Multiple
52 212 € × 0.98x = 51 295 €
Range: 14 304€ - 95 399€

Only this financial indicator is available for this company.

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 MON COURTIER ASSURE with other companies in the same sector:

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

Frequently asked questions about MON COURTIER ASSURE

What is the revenue of MON COURTIER ASSURE ?

The revenue of MON COURTIER ASSURE in 2016 is 52 k€.

Is MON COURTIER ASSURE profitable?

MON COURTIER ASSURE recorded a net loss in 2016.

Where is the headquarters of MON COURTIER ASSURE ?

The headquarters of MON COURTIER ASSURE is located in MOURIES (13890), in the department Bouches-du-Rhone.

Where to find the tax return of MON COURTIER ASSURE ?

The tax return of MON COURTIER ASSURE 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 MON COURTIER ASSURE operate?

MON COURTIER ASSURE 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.