SIREN : 431246966
SS2A COURTAGE is a French company founded 26 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BOULOGNE-BILLANCOURT (92100), this company of category GE shows in 2024 a revenue of 3.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 240 574 € | 3 258 846 € | 2 861 133 € | 2 545 285 € | 2 216 865 € | 2 492 591 € | 3 142 778 € | 2 925 419 € | 2 658 631 € |
| Net income | 672 921 € | 780 401 € | 340 167 € | 322 712 € | 142 582 € | 434 464 € | 429 944 € | 480 308 € | 652 240 € |
| EBITDA | 727 039 € | 962 923 € | 469 660 € | 772 735 € | 286 781 € | 195 056 € | 654 560 € | 761 388 € | 1 051 346 € |
| Net margin | 20.8% | 23.9% | 11.9% | 12.7% | 6.4% | 17.4% | 13.7% | 16.4% | 24.5% |
In 2024, SS2A COURTAGE achieves revenue of 3.2 M€. Revenue is growing positively over 9 years (CAGR: +2.5%). Slight decline of -1% vs 2023. After deducting consumption (0 €), gross margin stands at 3.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 727 k€, representing 22.4% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -24%, reducing margin by 7.1 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 673 k€, i.e. 20.8% of revenue. This profit can be retained or distributed to shareholders.
3 240 574 €
3 240 574 €
727 039 €
751 909 €
672 921 €
22.4%
The debt ratio (= Financial debt / Equity x 100) stands at 27%. 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 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 22.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
26.626%
17.012%
22.091%
0.381
In 2024, the debt ratio of SS2A COURTAGE (26.63) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of SS2A COURTAGE (17.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of SS2A COURTAGE (0.38) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 126.22. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
126.222
0.0
In 2024, the liquidity ratio of SS2A COURTAGE (126.22) 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.
In 2024, the interest coverage of SS2A 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 168 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 614 days. Excellent situation: suppliers finance 446 days of the operating cycle (retail model). Overall, WCR represents 544 days of revenue, i.e. 4.9 M€ to permanently finance. Over 2016-2024, WCR increased by +94%, requiring additional financing.
4 895 373 €
168 j
614 j
0 j
544 j
Based on 193 transactions of similar company sales (all years), the value of SS2A COURTAGE is estimated at 1 666 059 € (range 508 143€ - 5 259 459€). With an EBITDA of 727 039€, 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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SS2A COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SS2A COURTAGE in 2024 is 3.2 M€.
Yes, SS2A COURTAGE generated a net profit of 673 k€ in 2024.
The headquarters of SS2A COURTAGE is located in BOULOGNE-BILLANCOURT (92100), in the department Hauts-de-Seine.
The tax return of SS2A 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).
SS2A 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.