SIREN : 790067573
PATENA'S ASSURANCES is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MANOSQUE (04100), this company of category PME shows in 2024 a revenue of 595 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Kennzahl | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Umsatz | 595 275 € | 591 942 € | 632 629 € | 631 365 € | 660 425 € | 678 695 € | 775 525 € | 719 194 € | 672 277 € |
| Nettoergebnis | 13 405 € | 18 412 € | 7 585 € | 28 947 € | 1 680 € | 60 319 € | -44 462 € | 19 956 € | 34 149 € |
| EBITDA | 17 861 € | 23 265 € | -38 459 € | -5 901 € | -19 942 € | 39 018 € | -66 528 € | -32 053 € | -5 383 € |
| Nettomarge | 2.3% | 3.1% | 1.2% | 4.6% | 0.3% | 8.9% | -5.7% | 2.8% | 5.1% |
In 2024, PATENA'S ASSURANCES achieves revenue of 595 k€. Activity remains stable over the period (CAGR: -1.5%). Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 595 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 18 k€, representing 3.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 13 k€, i.e. 2.3% of revenue. This profit can be retained or distributed to shareholders.
595 275 €
595 275 €
17 861 €
16 251 €
13 405 €
3.0%
The debt ratio (= Financial debt / Equity x 100) stands at 11%. 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 84%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
10.836%
83.731%
2.42%
7.491
3.0%
In 2024, the debt ratio of PATENA'S ASSURANCES (10.84) 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 PATENA'S ASSURANCES (83.7%) 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.
In 2024, the repayment capacity of PATENA'S ASSURANCES (7.49) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 175.93. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 7.0x. Operating income very largely covers interest expenses: high safety margin.
175.933
6.976
In 2024, the liquidity ratio of PATENA'S ASSURANCES (175.93) 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 PATENA'S ASSURANCES (7.0x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
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: 3 days. Favorable situation: supplier credit is longer than customer credit by 3 days. Overall, WCR represents 39 days of revenue, i.e. 65 k€ to permanently finance. Over 2016-2024, WCR increased by +216%, requiring additional financing.
64 945 €
0 j
3 j
0 j
39 j
Based on 193 transactions of similar company sales (all years), the value of PATENA'S ASSURANCES is estimated at 191 652 € (range 54 270€ - 406 120€). With an EBITDA of 17 861€, 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.
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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 PATENA'S ASSURANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PATENA'S ASSURANCES in 2024 is 595 k€.
Yes, PATENA'S ASSURANCES generated a net profit of 13 k€ in 2024.
The headquarters of PATENA'S ASSURANCES is located in MANOSQUE (04100), in the department Alpes-de-Haute-Provence.
The tax return of PATENA'S ASSURANCES 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).
PATENA'S ASSURANCES 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.