SIREN : 788530137
2B PATRIMOINE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LE MESNIL-ESNARD (76240), this company of category PME shows in 2024 a revenue of 657 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 656 605 € | 583 712 € | 534 055 € | 429 744 € | 287 028 € | 382 746 € | 335 613 € | 233 576 € | 132 413 € |
| Net income | -98 983 € | 97 967 € | 44 052 € | 49 647 € | 1 272 € | 29 039 € | 48 761 € | 47 319 € | 6 049 € |
| EBITDA | 99 564 € | 155 056 € | 59 210 € | 70 593 € | 11 079 € | 37 991 € | 64 420 € | 60 163 € | 7 610 € |
| Net margin | -15.1% | 16.8% | 8.2% | 11.6% | 0.4% | 7.6% | 14.5% | 20.3% | 4.6% |
In 2024, 2B PATRIMOINE achieves revenue of 657 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +22.2%. Vs 2023, growth of +12% (584 k€ -> 657 k€). After deducting consumption (3 k€), gross margin stands at 653 k€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 100 k€, representing 15.2% of revenue. Warning negative scissor effect: despite revenue change (+12%), EBITDA varies by -36%, reducing margin by 11.4 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at -99 k€ (-15.1% of revenue), which will impact equity.
656 605 €
653 276 €
99 564 €
85 357 €
-98 983 €
15.2%
The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 55%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 18.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
30.528%
54.657%
18.253%
0.598
58.5%
In 2024, the debt ratio of 2B PATRIMOINE (30.53) 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 2B PATRIMOINE (54.7%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of 2B PATRIMOINE (0.60) 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 308.38. 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 2.8x. Financial charges are adequately covered by operations.
308.385
2.804
In 2024, the liquidity ratio of 2B PATRIMOINE (308.38) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of 2B PATRIMOINE (2.8x) 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: 52 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. The company must finance 13 days of gap between collections and payments. Overall, WCR represents 153 days of revenue, i.e. 278 k€ to permanently finance. Over 2016-2024, WCR increased by +8089%, requiring additional financing.
278 466 €
52 j
39 j
0 j
153 j
Based on 193 transactions of similar company sales (all years), the value of 2B PATRIMOINE is estimated at 317 236 € (range 86 916€ - 834 428€). With an EBITDA of 99 564€, 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 2B PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of 2B PATRIMOINE in 2024 is 657 k€.
2B PATRIMOINE recorded a net loss in 2024.
The headquarters of 2B PATRIMOINE is located in LE MESNIL-ESNARD (76240), in the department Seine-Maritime.
The tax return of 2B PATRIMOINE 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).
2B PATRIMOINE 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.