Employees: 11 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2010-12-01 (15 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: RUEIL-MALMAISON (92500), Hauts-de-Seine
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
WHITI COURTAGES : revenue, balance sheet and financial ratios
WHITI COURTAGES is a French company
founded 15 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in RUEIL-MALMAISON (92500),
this company of category PME
shows in 2015 a revenue of 370 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - WHITI COURTAGES (SIREN 528751894)
Indicator
2024
2023
2021
2020
2015
Revenue
N/C
N/C
N/C
N/C
369 901 €
Net income
42 212 €
74 745 €
46 037 €
40 334 €
3 001 €
EBITDA
N/C
N/C
N/C
N/C
6 935 €
Net margin
N/C
N/C
N/C
N/C
0.8%
Revenue and income statement
In 2024, WHITI COURTAGES generates positive net income of 42 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2015-2024: 3 k€ -> 42 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
42 212 €
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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 262%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
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
262.497%
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
14.077%
Solvency indicators evolution WHITI COURTAGES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2020
2021
2023
2024
Debt ratio
111.32
109.149
163.341
188.831
262.497
Financial autonomy
17.225
22.218
20.323
18.286
14.077
Repayment capacity
10.148
None
None
None
None
Cash flow / Revenue
0.887%
None%
None%
None%
None%
Sector positioning
Debt ratio
262.52024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Watch
In 2024, the debt ratio of WHITI COURTAGES (262.50) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
Financial autonomy
14.08%2024
2021
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Average
In 2024, the financial autonomy of WHITI COURTAGES (14.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 187.29. 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
187.287
Liquidity indicators evolution WHITI COURTAGES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2015
2020
2021
2023
2024
Liquidity ratio
108.129
163.245
194.094
189.342
187.287
Interest coverage
8.565
None
None
None
None
Sector positioning
Liquidity ratio
187.292024
2021
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Average
In 2024, the liquidity ratio of WHITI COURTAGES (187.29) 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.
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 WHITI COURTAGES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2015
2020
2021
2023
2024
Operating WCR
91 687 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
Customer payment term (days)
91
0
0
0
0
Supplier payment term (days)
208
0
0
0
0
Positioning of WHITI COURTAGES 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 WHITI COURTAGES is estimated at
84 958 €
(range 40 187€ - 387 913€).
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
40k€84k€387k€
84 958 €Range: 40 187€ - 387 913€
NAF 5 all-time
Valuation method used
Net Income Multiple
42 212 €
×
2.0x
=84 959 €
Range: 40 187€ - 387 913€
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 WHITI COURTAGES with other companies in the same sector:
Yes, WHITI COURTAGES generated a net profit of 42 k€ in 2024.
Where is the headquarters of WHITI COURTAGES ?
The headquarters of WHITI COURTAGES is located in RUEIL-MALMAISON (92500), in the department Hauts-de-Seine.
Where to find the tax return of WHITI COURTAGES ?
The tax return of WHITI COURTAGES 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 WHITI COURTAGES operate?
WHITI COURTAGES 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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