Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2010-03-01 (16 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: LIMOGES (87000), Haute-Vienne
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
NPF COURTAGE SARL : revenue, balance sheet and financial ratios
NPF COURTAGE SARL is a French company
founded 16 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LIMOGES (87000),
this company of category PME
shows in 2016 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - NPF COURTAGE SARL (SIREN 520656372)
Indicator
2023
2021
2020
2019
2018
2017
2016
Revenue
N/C
N/C
N/C
N/C
N/C
N/C
1 022 727 €
Net income
-1 366 €
66 436 €
62 646 €
134 537 €
4 168 €
44 244 €
310 985 €
EBITDA
N/C
N/C
N/C
N/C
N/C
N/C
400 230 €
Net margin
N/C
N/C
N/C
N/C
N/C
N/C
30.4%
Revenue and income statement
In 2023, NPF COURTAGE SARL records a net loss of 1 k€. This deficit will reduce equity on the balance sheet.
Net income (2023)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
-1 366 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 117%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 43%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2023)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
117.216%
Financial autonomy (2023)
?
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
42.72%
Asset age ratio (2023)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2023
Debt ratio
0.0
13.84
94.042
63.961
50.692
48.493
117.216
Financial autonomy
76.616
65.071
44.959
50.378
54.866
55.619
42.72
Repayment capacity
0.0
None
None
None
None
None
None
Cash flow / Revenue
31.237%
None%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
117.222023
2020
2021
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average+10 pts over 3 years
In 2023, the debt ratio of NPF COURTAGE SARL (117.22) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
Financial autonomy
42.72%2023
2020
2021
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Average-12 pts over 3 years
In 2023, the financial autonomy of NPF COURTAGE SARL (42.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 919.35. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2023)
?
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
919.35
Liquidity indicators evolution NPF COURTAGE SARL
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2023
Liquidity ratio
5226.422
214.681
384.568
372.04
395.754
387.4
919.35
Interest coverage
0.274
None
None
None
None
None
None
Sector positioning
Liquidity ratio
919.352023
2020
2021
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Excellent+7 pts over 3 years
In 2023, the liquidity ratio of NPF COURTAGE SARL (919.35) 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.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.
Operating WCR (2023)
?
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
0 €
Customer credit (2023)
?
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 (2023)
?
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
0 j
Inventory turnover (2023)
?
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 and payment terms evolution NPF COURTAGE SARL
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2023
Operating WCR
373 909 €
0 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
110
0
0
0
0
0
0
Supplier payment term (days)
12
0
0
0
0
0
0
Positioning of NPF COURTAGE SARL in its sector
Comparison with sector Activités des agents et courtiers d'assurances
Similar companies (Activités des agents et courtiers d'assurances)
Compare NPF COURTAGE SARL with other companies in the same sector:
Frequently asked questions about NPF COURTAGE SARL
What is the revenue of NPF COURTAGE SARL ?
The revenue of NPF COURTAGE SARL in 2016 is 1.0 M€.
Is NPF COURTAGE SARL profitable?
NPF COURTAGE SARL recorded a net loss in 2023.
Where is the headquarters of NPF COURTAGE SARL ?
The headquarters of NPF COURTAGE SARL is located in LIMOGES (87000), in the department Haute-Vienne.
Where to find the tax return of NPF COURTAGE SARL ?
The tax return of NPF COURTAGE SARL 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 NPF COURTAGE SARL operate?
NPF COURTAGE SARL 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.
Item evolution
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