SIREN : 485372247
OLIFAN COURTAGE is a French company founded 20 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AIX-EN-PROVENCE (13100), this company of category PME shows in 2024 a revenue of 19.5 M€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19 518 533 € | 17 857 573 € | 16 151 736 € | 15 151 787 € | 11 764 674 € | 9 828 354 € | 4 401 981 € | 3 512 227 € | 3 208 786 € |
| Net income | 2 609 320 € | 1 485 710 € | 144 768 € | 857 719 € | -830 258 € | -1 350 751 € | 1 357 271 € | 1 020 818 € | 136 658 € |
| EBITDA | 3 971 039 € | 2 600 822 € | 452 482 € | 1 135 533 € | -971 206 € | -1 055 355 € | 2 019 119 € | 1 727 008 € | 298 966 € |
| Net margin | 13.4% | 8.3% | 0.9% | 5.7% | -7.1% | -13.7% | 30.8% | 29.1% | 4.3% |
In 2024, OLIFAN COURTAGE achieves revenue of 19.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +25.3%. Vs 2023: +9%. After deducting consumption (0 €), gross margin stands at 19.5 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 4.0 M€, representing 20.3% of revenue. Positive scissor effect: EBITDA margin improves by +5.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2.6 M€, i.e. 13.4% of revenue. This profit can be retained or distributed to shareholders.
19 518 533 €
19 518 533 €
3 971 039 €
3 979 877 €
2 609 320 €
20.3%
The debt ratio (= Financial debt / Equity x 100) stands at 54%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 59%. 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 3.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 13.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
54.032%
59.217%
13.623%
3.78
16.2%
In 2024, the debt ratio of OLIFAN COURTAGE (54.03) 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 OLIFAN COURTAGE (59.2%) 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.
In 2024, the repayment capacity of OLIFAN COURTAGE (3.78) 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 284.55. 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 9.8x. Operating income very largely covers interest expenses: high safety margin.
284.549
9.834
In 2024, the liquidity ratio of OLIFAN COURTAGE (284.55) 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.
In 2024, the interest coverage of OLIFAN COURTAGE (9.8x) 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: 98 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. The gap of 79 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 81 days of revenue, i.e. 4.4 M€ to permanently finance. Over 2016-2024, WCR increased by +879%, requiring additional financing.
4 401 429 €
98 j
19 j
0 j
81 j
Based on 193 transactions of similar company sales (all years), the value of OLIFAN COURTAGE is estimated at 9 206 783 € (range 2 721 930€ - 27 764 277€). With an EBITDA of 3 971 039€, 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 OLIFAN COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of OLIFAN COURTAGE in 2024 is 19.5 M€.
Yes, OLIFAN COURTAGE generated a net profit of 2.6 M€ in 2024.
The headquarters of OLIFAN COURTAGE is located in AIX-EN-PROVENCE (13100), in the department Bouches-du-Rhone.
The tax return of OLIFAN 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).
OLIFAN 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.