SERVICES BUSINESS TEAM FRANCE COURTAGE : revenue, balance sheet and financial ratios

SERVICES BUSINESS TEAM FRANCE COURTAGE is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TOURNON-SUR-RHONE (07300), this company of category PME shows in 2022 a revenue of 87 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 - SERVICES BUSINESS TEAM FRANCE COURTAGE (SIREN 444191712)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue N/C N/C 86 675 € 85 067 € 87 485 € 131 746 € 196 890 € 254 717 € 175 991 € 123 986 €
Net income -144 434 € -1 514 853 € 18 321 € -78 274 € 895 622 € 276 299 € 5 707 € 253 265 € 222 006 € -254 593 €
EBITDA N/C N/C -53 857 € -137 518 € -83 483 € 62 977 € 25 085 € 98 520 € 51 774 € -173 454 €
Net margin N/C N/C 21.1% -92.0% 1023.7% 209.7% 2.9% 99.4% 126.1% -205.3%

Revenue and income statement

In 2024, SERVICES BUSINESS TEAM FRANCE COURTAGE records a net loss of 144 k€. This deficit will reduce equity on the balance sheet.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-144 434 €

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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 23%. 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 77%. 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

22.504%

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

77.474%

Asset age ratio (2024) ?
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

69.9%

Solvency indicators evolution
SERVICES BUSINESS TEAM FRANCE COURTAGE

Sector positioning

Debt ratio
22.5 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Average +6 pts over 3 years

In 2024, the debt ratio of SERVICES BUSINESS TEAM FR... (22.50) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
77.47% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of SERVICES BUSINESS TEAM FR... (77.5%) 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
31.71 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Watch

In 2022, the repayment capacity of SERVICES BUSINESS TEAM FR... (31.71) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 82.07. 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

82.067

Liquidity indicators evolution
SERVICES BUSINESS TEAM FRANCE COURTAGE

Sector positioning

Liquidity ratio
82.07 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Watch -51 pts over 3 years

In 2024, the liquidity ratio of SERVICES BUSINESS TEAM FR... (82.07) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-477.34x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Watch

In 2022, the interest coverage of SERVICES BUSINESS TEAM FR... (-477.3x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 2815 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 808 days. The gap of 2007 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow.

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

2815 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

808 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
SERVICES BUSINESS TEAM FRANCE COURTAGE

Positioning of SERVICES BUSINESS TEAM FRANCE COURTAGE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare SERVICES BUSINESS TEAM FRANCE 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 SERVICES BUSINESS TEAM FRANCE COURTAGE

What is the revenue of SERVICES BUSINESS TEAM FRANCE COURTAGE ?

The revenue of SERVICES BUSINESS TEAM FRANCE COURTAGE in 2022 is 87 k€.

Is SERVICES BUSINESS TEAM FRANCE COURTAGE profitable?

SERVICES BUSINESS TEAM FRANCE COURTAGE recorded a net loss in 2024.

Where is the headquarters of SERVICES BUSINESS TEAM FRANCE COURTAGE ?

The headquarters of SERVICES BUSINESS TEAM FRANCE COURTAGE is located in TOURNON-SUR-RHONE (07300), in the department Ardeche.

Where to find the tax return of SERVICES BUSINESS TEAM FRANCE COURTAGE ?

The tax return of SERVICES BUSINESS TEAM FRANCE 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 SERVICES BUSINESS TEAM FRANCE COURTAGE operate?

SERVICES BUSINESS TEAM FRANCE 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.