Employees: 11 (2023.0)Legal category: SCA (commandite par actions)Size: PMECreation date: 1999-09-06 (26 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: LAMBRES-LEZ-DOUAI (59552), Nord
SAS GAYANT COURTAGE : revenue, balance sheet and financial ratios
SAS GAYANT COURTAGE is a French company
founded 26 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in LAMBRES-LEZ-DOUAI (59552),
this company of category PME
shows in 2022 a revenue of 1.5 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - SAS GAYANT COURTAGE (SIREN 425015567)
Indicator
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Revenue
N/C
N/C
1 536 416 €
N/C
N/C
N/C
991 144 €
892 408 €
779 227 €
729 865 €
Net income
586 095 €
535 339 €
589 086 €
562 277 €
454 767 €
333 494 €
328 497 €
206 747 €
83 563 €
132 000 €
EBITDA
N/C
N/C
777 552 €
N/C
N/C
N/C
359 183 €
296 901 €
229 235 €
132 366 €
Net margin
N/C
N/C
38.3%
N/C
N/C
N/C
33.1%
23.2%
10.7%
18.1%
Revenue and income statement
In 2024, SAS GAYANT COURTAGE generates positive net income of 586 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2024: 132 k€ -> 586 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
586 095 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 57%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
Debt ratio (2024)
?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
1.54%
Financial autonomy (2024)
?
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
56.961%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
2.231
53.269
1.505
15.165
2.923
4.79
3.05
1.159
0.028
1.54
Financial autonomy
57.912
20.813
34.204
39.682
38.512
39.452
50.753
64.243
55.823
56.961
Repayment capacity
0.037
0.368
0.016
0.02
None
None
None
0.017
None
None
Cash flow / Revenue
19.196%
19.908%
23.862%
24.684%
None%
None%
None%
38.623%
None%
None%
Sector positioning
Debt ratio
1.542024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good
In 2024, the debt ratio of SAS GAYANT COURTAGE (1.54) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
56.96%2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Good-8 pts over 3 years
In 2024, the financial autonomy of SAS GAYANT COURTAGE (57.0%) 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.
Repayment capacity
0.02 years2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Good
In 2022, the repayment capacity of SAS GAYANT COURTAGE (0.02) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 225.97. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
?
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
225.973
Liquidity indicators evolution SAS GAYANT COURTAGE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
206.455
125.318
140.757
156.102
152.908
156.654
198.788
268.549
214.21
225.973
Interest coverage
0.0
0.0
0.0
0.09
None
None
None
0.0
None
None
Sector positioning
Liquidity ratio
225.972024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Average-7 pts over 3 years
In 2024, the liquidity ratio of SAS GAYANT COURTAGE (225.97) 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.
Interest coverage
0.0x2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Average
In 2022, the interest coverage of SAS GAYANT COURTAGE (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.
Operating WCR (2024)
?
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
0 €
Customer credit (2024)
?
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 (2024)
?
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 (2024)
?
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 and payment terms evolution SAS GAYANT COURTAGE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
-19 166 €
26 712 €
-30 520 €
45 454 €
0 €
0 €
0 €
76 406 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
0
Customer payment term (days)
7
53
27
59
0
0
0
27
0
0
Supplier payment term (days)
75
376
281
373
0
0
0
423
0
0
Positioning of SAS GAYANT 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 SAS GAYANT COURTAGE is estimated at
1 179 615 €
(range 557 980€ - 5 386 003€).
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 value2024
193 transactions
557k€1179k€5386k€
1 179 615 €Range: 557 980€ - 5 386 003€
NAF 5 all-time
Valuation method used
Net Income Multiple
586 095 €
×
2.0x
=1 179 615 €
Range: 557 981€ - 5 386 003€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 SAS GAYANT COURTAGE with other companies in the same sector:
Frequently asked questions about SAS GAYANT COURTAGE
What is the revenue of SAS GAYANT COURTAGE ?
The revenue of SAS GAYANT COURTAGE in 2022 is 1.5 M€.
Is SAS GAYANT COURTAGE profitable?
Yes, SAS GAYANT COURTAGE generated a net profit of 586 k€ in 2024.
Where is the headquarters of SAS GAYANT COURTAGE ?
The headquarters of SAS GAYANT COURTAGE is located in LAMBRES-LEZ-DOUAI (59552), in the department Nord.
Where to find the tax return of SAS GAYANT COURTAGE ?
The tax return of SAS GAYANT 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 SAS GAYANT COURTAGE operate?
SAS GAYANT 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.
Item evolution
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