SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ : revenue, balance sheet and financial ratios

SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ is a French company founded 34 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-ETIENNE (42000), this company of category GE shows in 2024 a revenue of 48 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 - SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ (SIREN 383396504)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 47 544 € 32 160 € 78 274 € 46 716 € 35 692 € 34 433 € 20 545 € 9 629 € 61 126 €
Net income 39 917 € 32 504 € 57 166 € 32 455 € 15 944 € 24 751 € 15 863 € 14 555 € 54 772 €
EBITDA 42 860 € 34 191 € 73 563 € 42 816 € 21 170 € 30 004 € 15 725 € 11 940 € 54 902 €
Net margin 84.0% 101.1% 73.0% 69.5% 44.7% 71.9% 77.2% 151.2% 89.6%

Revenue and income statement

In 2024, SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ achieves revenue of 48 k€. Activity remains stable over the period (CAGR: -3.1%). Vs 2023, growth of +48% (32 k€ -> 48 k€). After deducting consumption (0 €), gross margin stands at 48 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 90.1% of revenue. Warning negative scissor effect: despite revenue change (+48%), EBITDA varies by +25%, reducing margin by 16.2 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 40 k€, i.e. 84.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

47 544 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

47 544 €

EBITDA (2024) ?
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

42 860 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

42 859 €

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

39 917 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

90.1%

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Chart evolution

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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 92%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 84.0% 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 (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

0.0%

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

92.353%

Cash flow / Revenue (2024) ?
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

83.958%

Repayment capacity (2024) ?
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
SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ

Sector positioning

Debt ratio
0.0 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Excellent

In 2024, the debt ratio of SOCIETE DE COURTAGE D'ASS... (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
92.35% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of SOCIETE DE COURTAGE D'ASS... (92.3%) 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
0.0 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent

In 2024, the repayment capacity of SOCIETE DE COURTAGE D'ASS... (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 1307.62. 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

1307.618

Interest coverage (2024) ?
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
SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ

Sector positioning

Liquidity ratio
1307.62 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent

In 2024, the liquidity ratio of SOCIETE DE COURTAGE D'ASS... (1307.62) 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 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Average

In 2024, the interest coverage of SOCIETE DE COURTAGE D'ASS... (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. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Overall, WCR represents 1412 days of revenue, i.e. 187 k€ to permanently finance. Over 2016-2024, WCR increased by +3445%, requiring additional financing.

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

186 517 €

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

5 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 in days of revenue (2024) ?
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

1412 j

WCR and payment terms evolution
SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ

Positioning of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ 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 SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ is estimated at 56 024 € (range 18 209€ - 231 852€). With an EBITDA of 42 860€, 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 2024
193 transactions
18k€ 56k€ 231k€
56 024 € Range: 18 209€ - 231 852€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
42 860 € × 1.2x
Estimation 51 889 €
13 402€ - 264 855€
Revenue Multiple 30%
47 544 € × 0.98x
Estimation 46 709 €
13 025€ - 86 870€
Net Income Multiple 20%
39 917 € × 2.0x
Estimation 80 340 €
38 002€ - 366 823€

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 SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ

What is the revenue of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ ?

The revenue of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ in 2024 is 48 k€.

Is SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ profitable?

Yes, SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ generated a net profit of 40 k€ in 2024.

Where is the headquarters of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ ?

The headquarters of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ is located in SAINT-ETIENNE (42000), in the department Loire.

Where to find the tax return of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ ?

The tax return of SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ 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 SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ operate?

SOCIETE DE COURTAGE D'ASSURANCE DU FOREZ 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.