SIREN : 813204013
B2J COURTAGE is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75005), this company of category PME shows in 2017 a revenue of 37 k€. 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
| Indicador | 2017 | 2016 |
|---|---|---|
| Ingresos | 37 405 € | 39 526 € |
| Resultado neto | -1 177 € | -349 € |
| EBITDA | -1 177 € | -374 € |
| Margen neto | -3.1% | -0.9% |
In 2017, B2J COURTAGE achieves revenue of 37 k€. Slight decline of -5% vs 2016. After deducting consumption (0 €), gross margin stands at 37 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 -1 k€, representing -3.1% of revenue. Warning negative scissor effect: despite revenue change (-5%), EBITDA varies by -215%, reducing margin by 2.2 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -1 k€ (-3.1% of revenue), which will impact equity.
37 405 €
37 405 €
-1 177 €
-1 177 €
-1 177 €
-3.1%
The debt ratio (= Financial debt / Equity x 100) stands at 10%. 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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
9.514%
2.972%
-3.147%
0.0
In 2017, the debt ratio of B2J COURTAGE (9.51) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2017, the financial autonomy of B2J COURTAGE (3.0%) 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 2017, the repayment capacity of B2J COURTAGE (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.
The liquidity ratio (= Current assets / Current liabilities) stands at 145.44. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
145.437
0.0
In 2017, the liquidity ratio of B2J COURTAGE (145.44) 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 2017, the interest coverage of B2J 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-10 days): operations structurally generate cash.
-1 041 €
0 j
12 j
0 j
-10 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 10 247€ to 50 287€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 B2J COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of B2J COURTAGE in 2017 is 37 k€.
B2J COURTAGE recorded a net loss in 2017.
The headquarters of B2J COURTAGE is located in PARIS (75005), in the department Paris.
The tax return of B2J 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).
B2J 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.