SIREN : 825282841
OPA COURTAGE is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in FRESNES (94260), this company of category PME shows in 2020 a revenue of 6 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
| Indicator | 2020 | 2019 |
|---|---|---|
| Revenue | 5 878 € | 5 934 € |
| Net income | 4 507 € | -689 € |
| EBITDA | 7 447 € | 2 139 € |
| Net margin | 76.7% | -11.6% |
In 2020, OPA COURTAGE achieves revenue of 6 k€. Slight decline of -1% vs 2019. After deducting consumption (0 €), gross margin stands at 6 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 7 k€, representing 126.7% of revenue. Positive scissor effect: EBITDA margin improves by +90.6 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 5 k€, i.e. 76.7% of revenue. This profit can be retained or distributed to shareholders.
5 878 €
5 878 €
7 447 €
4 538 €
4 507 €
67.2%
The debt ratio (= Financial debt / Equity x 100) stands at 37%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 73%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 67.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
37.435%
72.762%
66.953%
0.544
43.7%
In 2020, the debt ratio of OPA COURTAGE (37.44) 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 2020, the financial autonomy of OPA COURTAGE (72.8%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2020, the repayment capacity of OPA COURTAGE (0.54) 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.
The interest coverage ratio (= EBIT / Interest expenses) is 0.4x. Danger: operating income does not cover interest charges, unsustainable situation.
0.403
In 2020, the interest coverage of OPA COURTAGE (0.4x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 24 045€ to 70 954€ is provided for information purposes only and requires in-depth analysis to be confirmed.
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare OPA COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of OPA COURTAGE in 2020 is 6 k€.
Yes, OPA COURTAGE generated a net profit of 5 k€ in 2020.
The headquarters of OPA COURTAGE is located in FRESNES (94260), in the department Val-de-Marne.
The tax return of OPA 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).
OPA 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.