OUEST PARTENAIRES CONSEIL COURTAGE : revenue, balance sheet and financial ratios

OUEST PARTENAIRES CONSEIL COURTAGE is a French company founded 12 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NANTES (44000), this company of category PME shows in 2025 a revenue of 42 k€. 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 - OUEST PARTENAIRES CONSEIL COURTAGE (SIREN 798346581)
Indicator 2025 2024 2023 2021 2020 2019 2018 2017 2016 2015
Revenue 41 854 € 29 599 € 42 258 € 42 593 € 35 603 € 34 011 € 44 066 € 31 358 € 19 059 € 14 637 €
Net income 28 113 € 19 470 € 28 326 € 28 393 € 18 221 € 14 159 € 17 521 € 16 105 € 9 385 € 7 845 €
EBITDA 37 484 € 25 960 € 37 768 € 38 629 € 25 307 € 19 665 € 24 335 € 24 185 € 14 078 € 11 768 €
Net margin 67.2% 65.8% 67.0% 66.7% 51.2% 41.6% 39.8% 51.4% 49.2% 53.6%

Revenue and income statement

In 2025, OUEST PARTENAIRES CONSEIL COURTAGE achieves revenue of 42 k€. Over the period 2015-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +11.1%. Vs 2024, growth of +41% (30 k€ -> 42 k€). After deducting consumption (0 €), gross margin stands at 42 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 37 k€, representing 89.6% of 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 28 k€, i.e. 67.2% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

41 854 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

41 854 €

EBITDA (2025) ?
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

37 484 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

37 484 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

28 113 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

89.6%

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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 0%. 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 93%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 67.2% 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 (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2025) ?
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

93.335%

Cash flow / Revenue (2025) ?
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

67.169%

Repayment capacity (2025) ?
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

0.0

Solvency indicators evolution
OUEST PARTENAIRES CONSEIL COURTAGE

Sector positioning

Debt ratio
0.0 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Excellent

In 2025, the debt ratio of OUEST PARTENAIRES CONSEIL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
93.33% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Excellent +16 pts over 3 years

In 2025, the financial autonomy of OUEST PARTENAIRES CONSEIL... (93.3%) 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.

Repayment capacity
0.0 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.02 years
Q3: 1.45 years
Excellent

In 2025, the repayment capacity of OUEST PARTENAIRES CONSEIL... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1473.33. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1473.326

Interest coverage (2025) ?
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
OUEST PARTENAIRES CONSEIL COURTAGE

Sector positioning

Liquidity ratio
1473.33 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Excellent

In 2025, the liquidity ratio of OUEST PARTENAIRES CONSEIL... (1473.33) 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.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: 0.0x
Med: 0.0x
Q3: 1.93x
Average

In 2025, the interest coverage of OUEST PARTENAIRES CONSEIL... (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. WCR is negative (-5 days): operations structurally generate cash. Over 2015-2025, WCR increased by +85%, requiring additional financing.

Operating WCR (2025) ?
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

-598 €

Customer credit (2025) ?
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 (2025) ?
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 (2025) ?
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 (2025) ?
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

-5 j

WCR and payment terms evolution
OUEST PARTENAIRES CONSEIL COURTAGE

Positioning of OUEST PARTENAIRES CONSEIL COURTAGE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of OUEST PARTENAIRES CONSEIL COURTAGE is estimated at 46 342 € (range 14 653€ - 190 428€). With an EBITDA of 37 484€, 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.

Estimated enterprise value 2025
193 transactions
14k€ 46k€ 190k€
46 342 € Range: 14 653€ - 190 428€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
37 484 € × 1.2x
Estimation 45 380 €
11 721€ - 231 633€
Revenue Multiple 30%
41 854 € × 0.98x
Estimation 41 119 €
11 467€ - 76 473€
Net Income Multiple 20%
28 113 € × 2.0x
Estimation 56 582 €
26 764€ - 258 348€

Valuation evolution

How is this estimate calculated?

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.

  • 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 OUEST PARTENAIRES CONSEIL COURTAGE with other companies in the same sector:

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

Frequently asked questions about OUEST PARTENAIRES CONSEIL COURTAGE

What is the revenue of OUEST PARTENAIRES CONSEIL COURTAGE ?

The revenue of OUEST PARTENAIRES CONSEIL COURTAGE in 2025 is 42 k€.

Is OUEST PARTENAIRES CONSEIL COURTAGE profitable?

Yes, OUEST PARTENAIRES CONSEIL COURTAGE generated a net profit of 28 k€ in 2025.

Where is the headquarters of OUEST PARTENAIRES CONSEIL COURTAGE ?

The headquarters of OUEST PARTENAIRES CONSEIL COURTAGE is located in NANTES (44000), in the department Loire-Atlantique.

Where to find the tax return of OUEST PARTENAIRES CONSEIL COURTAGE ?

The tax return of OUEST PARTENAIRES CONSEIL 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).

In which sector does OUEST PARTENAIRES CONSEIL COURTAGE operate?

OUEST PARTENAIRES CONSEIL 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.