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3 C PATRIMOINE : revenue, balance sheet and financial ratios

3 C PATRIMOINE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in VAULNAVEYS-LE-HAUT (38410), this company of category PME shows in 2020 a revenue of 52 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

Financial history - 3 C PATRIMOINE (SIREN 878071083)
Indicator 2025 2020
Revenue N/C 51 636 €
Net income 6 991 € 16 874 €
EBITDA N/C 20 150 €
Net margin N/C 32.7%

Revenue and income statement

In 2025, 3 C PATRIMOINE generates positive net income of 7 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2025: 17 k€ -> 7 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

6 991 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 103%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

103.02%

Financial autonomy (2025) ?
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

47.601%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

80.7%

Solvency indicators evolution
3 C PATRIMOINE

Sector positioning

Debt ratio
103.02 2025
2020
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Watch

In 2025, the debt ratio of 3 C PATRIMOINE (103.02) 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
47.6% 2025
2020
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Average +22 pts over 2 years

In 2025, the financial autonomy of 3 C PATRIMOINE (47.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
5.72 years 2020
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Average

In 2020, the repayment capacity of 3 C PATRIMOINE (5.72) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1133.27. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

1133.271

Liquidity indicators evolution
3 C PATRIMOINE

Sector positioning

Liquidity ratio
1133.27 2025
2020
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Excellent

In 2025, the liquidity ratio of 3 C PATRIMOINE (1133.27) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
3.02x 2020
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Excellent

In 2020, the interest coverage of 3 C PATRIMOINE (3.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
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 (2025) ?
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 (2025) ?
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 (2025) ?
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
3 C PATRIMOINE

Positioning of 3 C PATRIMOINE 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 3 C PATRIMOINE is estimated at 14 070 € (range 6 655€ - 64 244€). 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 value 2025
193 transactions
6k€ 14k€ 64k€
14 070 € Range: 6 655€ - 64 244€
NAF 5 all-time

Valuation method used

Net Income Multiple
6 991 € × 2.0x = 14 071 €
Range: 6 656€ - 64 245€

Only this financial indicator is available for this company.

Valuation evolution

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 3 C PATRIMOINE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about 3 C PATRIMOINE

What is the revenue of 3 C PATRIMOINE ?

The revenue of 3 C PATRIMOINE in 2020 is 52 k€.

Is 3 C PATRIMOINE profitable?

Yes, 3 C PATRIMOINE generated a net profit of 7 k€ in 2025.

Where is the headquarters of 3 C PATRIMOINE ?

The headquarters of 3 C PATRIMOINE is located in VAULNAVEYS-LE-HAUT (38410), in the department Isere.

Where to find the tax return of 3 C PATRIMOINE ?

The tax return of 3 C 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).

In which sector does 3 C PATRIMOINE operate?

3 C 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.