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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.

Data updated on 2026-04-18

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

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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Chart evolution

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Assets

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Liabilities

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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
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

35.4%

Solvency indicators evolution
NPF COURTAGE SARL

Sector positioning

Debt ratio
117.22 2023
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

Sector positioning

Liquidity ratio
919.35 2023
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

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.