OFFICE GENERAL DE COURTAGE D'ASSURANCES : revenue, balance sheet and financial ratios

OFFICE GENERAL DE COURTAGE D'ASSURANCES is a French company founded 50 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VERSAILLES (78000), this company of category PME shows in 2017 a revenue of 194 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - OFFICE GENERAL DE COURTAGE D'ASSURANCES (SIREN 306591777)
Indicator 2017 2015
Revenue 194 390 € 200 748 €
Net income 59 062 € 58 145 €
EBITDA 73 180 € 82 816 €
Net margin 30.4% 29.0%

Revenue and income statement

In 2017, OFFICE GENERAL DE COURTAGE D'ASSURANCES achieves revenue of 194 k€. Slight decline of -3% vs 2015. After deducting consumption (0 €), gross margin stands at 194 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 73 k€, representing 37.6% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -12%, reducing margin by 3.6 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 59 k€, i.e. 30.4% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2017) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

194 390 €

Gross margin (2017) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

194 390 €

EBITDA (2017) ?
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

73 180 €

EBIT (2017) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

73 113 €

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

59 062 €

EBITDA margin (2017) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

37.6%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 58%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 30.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

6.917%

Financial autonomy (2017) ?
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

57.577%

Cash flow / Revenue (2017) ?
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

30.418%

Repayment capacity (2017) ?
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

0.342

Asset age ratio (2017) ?
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

6.9%

Solvency indicators evolution
OFFICE GENERAL DE COURTAGE D'ASSURANCES

Sector positioning

Debt ratio
6.92 2017
2015
2017
Q1: 0.02
Med: 9.63
Q3: 58.5
Good +18 pts over 2 years

In 2017, the debt ratio of OFFICE GENERAL DE COURTAG... (6.92) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
57.58% 2017
2015
2017
Q1: 15.61%
Med: 45.08%
Q3: 71.97%
Good

In 2017, the financial autonomy of OFFICE GENERAL DE COURTAG... (57.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.

Repayment capacity
0.34 years 2017
2015
2017
Q1: 0.0 years
Med: 0.06 years
Q3: 1.92 years
Average +29 pts over 2 years

In 2017, the repayment capacity of OFFICE GENERAL DE COURTAG... (0.34) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 248.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2017) ?
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

248.258

Interest coverage (2017) ?
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
OFFICE GENERAL DE COURTAGE D'ASSURANCES

Sector positioning

Liquidity ratio
248.26 2017
2015
2017
Q1: 108.69
Med: 195.17
Q3: 426.47
Good

In 2017, the liquidity ratio of OFFICE GENERAL DE COURTAG... (248.26) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
0.0x 2017
2015
2017
Q1: 0.0x
Med: 0.0x
Q3: 2.77x
Average

In 2017, the interest coverage of OFFICE GENERAL DE COURTAG... (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 257 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1292 days. Excellent situation: suppliers finance 1035 days of the operating cycle (retail model). Overall, WCR represents 315 days of revenue, i.e. 170 k€ to permanently finance.

Operating WCR (2017) ?
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

169 963 €

Customer credit (2017) ?
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

257 j

Supplier credit (2017) ?
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

1292 j

Inventory turnover (2017) ?
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 (2017) ?
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

315 j

WCR and payment terms evolution
OFFICE GENERAL DE COURTAGE D'ASSURANCES

Positioning of OFFICE GENERAL DE COURTAGE D'ASSURANCES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 51 907€ to 379 848€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2017
Indicative
51k€ 81k€ 379k€
81 014 € Range: 51 907€ - 379 848€
NAF 5 année 2017

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 OFFICE GENERAL DE COURTAGE D'ASSURANCES with other companies in the same sector:

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

Frequently asked questions about OFFICE GENERAL DE COURTAGE D'ASSURANCES

What is the revenue of OFFICE GENERAL DE COURTAGE D'ASSURANCES ?

The revenue of OFFICE GENERAL DE COURTAGE D'ASSURANCES in 2017 is 194 k€.

Is OFFICE GENERAL DE COURTAGE D'ASSURANCES profitable?

Yes, OFFICE GENERAL DE COURTAGE D'ASSURANCES generated a net profit of 59 k€ in 2017.

Where is the headquarters of OFFICE GENERAL DE COURTAGE D'ASSURANCES ?

The headquarters of OFFICE GENERAL DE COURTAGE D'ASSURANCES is located in VERSAILLES (78000), in the department Yvelines.

Where to find the tax return of OFFICE GENERAL DE COURTAGE D'ASSURANCES ?

The tax return of OFFICE GENERAL DE COURTAGE D'ASSURANCES 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 OFFICE GENERAL DE COURTAGE D'ASSURANCES operate?

OFFICE GENERAL DE COURTAGE D'ASSURANCES 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.