S.C.A.B.D. SOCIETE DE COURTAGE : revenue, balance sheet and financial ratios

S.C.A.B.D. SOCIETE DE COURTAGE is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-MAUR-DES-FOSSES (94100), this company of category PME shows in 2023 a revenue of 670 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - S.C.A.B.D. SOCIETE DE COURTAGE (SIREN 383262136)
Indicator 2023 2022 2021 2020 2019 2017 2016
Revenue 669 706 € 559 226 € 543 189 € 552 958 € N/C 619 000 € 609 223 €
Net income 268 495 € 181 765 € 159 226 € 138 342 € 47 356 € 116 313 € 102 498 €
EBITDA 355 039 € 230 707 € 192 807 € 185 125 € N/C 156 392 € 129 022 €
Net margin 40.1% 32.5% 29.3% 25.0% N/C 18.8% 16.8%

Revenue and income statement

In 2023, S.C.A.B.D. SOCIETE DE COURTAGE achieves revenue of 670 k€. Revenue is growing positively over 7 years (CAGR: +1.4%). Vs 2022, growth of +20% (559 k€ -> 670 k€). After deducting consumption (0 €), gross margin stands at 670 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 355 k€, representing 53.0% of revenue. Positive scissor effect: EBITDA margin improves by +11.8 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 268 k€, i.e. 40.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

669 706 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

669 706 €

EBITDA (2023) ?
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

355 039 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

351 525 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

268 495 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

53.0%

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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 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 40.7% 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 (2023) ?
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 (2023) ?
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

62.523%

Cash flow / Revenue (2023) ?
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

40.711%

Repayment capacity (2023) ?
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

Asset age ratio (2023) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

9.3%

Solvency indicators evolution
S.C.A.B.D. SOCIETE DE COURTAGE

Sector positioning

Debt ratio
0.0 2023
2021
2022
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Excellent

In 2023, the debt ratio of S.C.A.B.D. SOCIETE DE COU... (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
62.52% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Good

In 2023, the financial autonomy of S.C.A.B.D. SOCIETE DE COU... (62.5%) 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
0.0 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.03 years
Excellent

In 2023, the repayment capacity of S.C.A.B.D. SOCIETE DE COU... (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 909.24. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

909.24

Interest coverage (2023) ?
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
S.C.A.B.D. SOCIETE DE COURTAGE

Sector positioning

Liquidity ratio
909.24 2023
2021
2022
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Excellent

In 2023, the liquidity ratio of S.C.A.B.D. SOCIETE DE COU... (909.24) 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 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 2.0x
Average

In 2023, the interest coverage of S.C.A.B.D. SOCIETE DE COU... (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 (-192 days): operations structurally generate cash. Notable WCR improvement over the period (-124%), freeing up cash.

Operating WCR (2023) ?
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

-357 603 €

Customer credit (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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

-192 j

WCR and payment terms evolution
S.C.A.B.D. SOCIETE DE COURTAGE

Positioning of S.C.A.B.D. SOCIETE DE 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 S.C.A.B.D. SOCIETE DE COURTAGE is estimated at 520 374 € (range 161 676€ - 1 957 556€). With an EBITDA of 355 039€, 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 2023
193 transactions
161k€ 520k€ 1957k€
520 374 € Range: 161 676€ - 1 957 556€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
355 039 € × 1.2x
Estimation 429 829 €
111 021€ - 2 193 973€
Revenue Multiple 30%
669 706 € × 0.98x
Estimation 657 938 €
183 477€ - 1 223 651€
Net Income Multiple 20%
268 495 € × 2.0x
Estimation 540 392 €
255 616€ - 2 467 373€

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 S.C.A.B.D. SOCIETE DE 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 S.C.A.B.D. SOCIETE DE COURTAGE

What is the revenue of S.C.A.B.D. SOCIETE DE COURTAGE ?

The revenue of S.C.A.B.D. SOCIETE DE COURTAGE in 2023 is 670 k€.

Is S.C.A.B.D. SOCIETE DE COURTAGE profitable?

Yes, S.C.A.B.D. SOCIETE DE COURTAGE generated a net profit of 268 k€ in 2023.

Where is the headquarters of S.C.A.B.D. SOCIETE DE COURTAGE ?

The headquarters of S.C.A.B.D. SOCIETE DE COURTAGE is located in SAINT-MAUR-DES-FOSSES (94100), in the department Val-de-Marne.

Where to find the tax return of S.C.A.B.D. SOCIETE DE COURTAGE ?

The tax return of S.C.A.B.D. SOCIETE DE 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 S.C.A.B.D. SOCIETE DE COURTAGE operate?

S.C.A.B.D. SOCIETE DE 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.