SIREN : 529171712
PILAT COURTAGE is a French company founded 15 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PAVEZIN (42410), this company of category PME shows in 2021 a revenue of 71 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 | 2021 | 2020 |
|---|---|---|
| Revenue | 71 211 € | 66 102 € |
| Net income | 43 471 € | 8 269 € |
| EBITDA | 43 185 € | 12 307 € |
| Net margin | 61.0% | 12.5% |
In 2021, PILAT COURTAGE achieves revenue of 71 k€. Vs 2020: +8%. After deducting consumption (0 €), gross margin stands at 71 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 43 k€, representing 60.6% of revenue. Positive scissor effect: EBITDA margin improves by +42.0 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 43 k€, i.e. 61.0% of revenue. This profit can be retained or distributed to shareholders.
71 211 €
71 211 €
43 185 €
43 185 €
43 471 €
60.6%
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 34%. The balance between equity and debt is satisfactory. Cash flow represents 46.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.006%
34.216%
46.907%
0.0
In 2021, the debt ratio of PILAT COURTAGE (0.01) 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.
In 2021, the financial autonomy of PILAT COURTAGE (34.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2021, the repayment capacity of PILAT COURTAGE (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 139.97. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
139.972
0.032
In 2021, the liquidity ratio of PILAT COURTAGE (139.97) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2021, the interest coverage of PILAT COURTAGE (0.0x) 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.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 101 days. Excellent situation: suppliers finance 101 days of the operating cycle (retail model). WCR is negative (-195 days): operations structurally generate cash.
-38 512 €
0 j
101 j
0 j
-195 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 20 366€ to 118 277€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 44 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 PILAT COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PILAT COURTAGE in 2021 is 71 k€.
Yes, PILAT COURTAGE generated a net profit of 43 k€ in 2021.
The headquarters of PILAT COURTAGE is located in PAVEZIN (42410), in the department Loire.
The tax return of PILAT 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).
PILAT 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.