SIREN : 435364906
MS COURTAGE is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHATEAUNEUF-SUR-LOIRE (45110), this company of category PME shows in 2024 a revenue of 575 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 | 574 569 € | 596 457 € | 589 562 € | 630 236 € | 709 399 € | 662 940 € | 645 709 € | 604 272 € | 618 333 € |
| Net income | 1 131 € | 10 740 € | 7 890 € | 1 376 € | 586 € | 2 691 € | 8 396 € | 12 798 € | 2 885 € |
| EBITDA | 22 814 € | 17 160 € | 2 578 € | 4 354 € | 6 661 € | 8 515 € | 13 941 € | 19 017 € | 6 239 € |
| Net margin | 0.2% | 1.8% | 1.3% | 0.2% | 0.1% | 0.4% | 1.3% | 2.1% | 0.5% |
In 2024, MS COURTAGE achieves revenue of 575 k€. Activity remains stable over the period (CAGR: -0.9%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 575 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 23 k€, representing 4.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1 k€, i.e. 0.2% of revenue. This profit can be retained or distributed to shareholders.
574 569 €
574 569 €
22 814 €
22 252 €
1 131 €
4.0%
The debt ratio (= Financial debt / Equity x 100) stands at 77%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 42%. 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 6.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 0.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
76.522%
41.876%
0.295%
6.153
3.3%
In 2024, the debt ratio of MS COURTAGE (76.52) 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 MS COURTAGE (41.9%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of MS COURTAGE (6.15) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 168.65. 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 14.1x. Operating income very largely covers interest expenses: high safety margin.
168.646
14.11
In 2024, the liquidity ratio of MS COURTAGE (168.65) 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.
In 2024, the interest coverage of MS COURTAGE (14.1x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 53 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. The gap of 48 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 52 days of revenue, i.e. 82 k€ to permanently finance. Over 2016-2024, WCR increased by +306%, requiring additional financing.
82 261 €
53 j
5 j
0 j
52 j
Based on 193 transactions of similar company sales (all years), the value of MS COURTAGE is estimated at 183 607 € (range 51 006€ - 387 515€). With an EBITDA of 22 814€, 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 MS COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of MS COURTAGE in 2024 is 575 k€.
Yes, MS COURTAGE generated a net profit of 1 k€ in 2024.
The headquarters of MS COURTAGE is located in CHATEAUNEUF-SUR-LOIRE (45110), in the department Loiret.
The tax return of MS 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).
MS 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.