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SANFRATELLO JOSEPH COURTAGE : revenue, balance sheet and financial ratios

SANFRATELLO JOSEPH COURTAGE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE PRADET (83220), this company of category PME shows in 2016 a revenue of 11 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - SANFRATELLO JOSEPH COURTAGE (SIREN 811847144)
Indicator 2016
Revenue 11 406 €
Net income 210 €
EBITDA 212 €
Net margin 1.8%

Revenue and income statement

In 2016, SANFRATELLO JOSEPH COURTAGE achieves revenue of 11 k€. After deducting consumption (221 €), gross margin stands at 11 k€, i.e. a rate of 98%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 212 €, representing 1.9% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 210 €, i.e. 1.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2016) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

11 406 €

Gross margin (2016) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

11 185 €

EBITDA (2016) ?
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

212 €

EBIT (2016) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

210 €

Net income (2016) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

210 €

EBITDA margin (2016) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

1.9%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

Financial autonomy (= Equity / Total assets x 100) reaches 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 1.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Financial autonomy (2016) ?
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

0.0%

Cash flow / Revenue (2016) ?
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

1.841%

Repayment capacity (2016) ?
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
SANFRATELLO JOSEPH COURTAGE

Sector positioning

Financial autonomy
0.0% 2016
2016
Q1: 11.73%
Med: 42.73%
Q3: 70.68%
Average

In 2016, the financial autonomy of SANFRATELLO JOSEPH COURTAGE (0.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2016
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Excellent

In 2016, the repayment capacity of SANFRATELLO JOSEPH 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.

Positioning of SANFRATELLO JOSEPH 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 SANFRATELLO JOSEPH COURTAGE is estimated at 3 574 € (range 1 010€ - 7 293€). With an EBITDA of 212€, 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 2016
193 transactions
1k€ 3k€ 7k€
3 574 € Range: 1 010€ - 7 293€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
212 € × 1.2x
Estimation 257 €
66€ - 1 310€
Revenue Multiple 30%
11 406 € × 0.98x
Estimation 11 206 €
3 125€ - 20 840€
Net Income Multiple 20%
210 € × 2.0x
Estimation 423 €
200€ - 1 930€
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 SANFRATELLO JOSEPH 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 SANFRATELLO JOSEPH COURTAGE

What is the revenue of SANFRATELLO JOSEPH COURTAGE ?

The revenue of SANFRATELLO JOSEPH COURTAGE in 2016 is 11 k€.

Is SANFRATELLO JOSEPH COURTAGE profitable?

Yes, SANFRATELLO JOSEPH COURTAGE generated a net profit of 210€ in 2016.

Where is the headquarters of SANFRATELLO JOSEPH COURTAGE ?

The headquarters of SANFRATELLO JOSEPH COURTAGE is located in LE PRADET (83220), in the department Var.

Where to find the tax return of SANFRATELLO JOSEPH COURTAGE ?

The tax return of SANFRATELLO JOSEPH 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 SANFRATELLO JOSEPH COURTAGE operate?

SANFRATELLO JOSEPH 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.