ADL CONSEILS & PATRIMOINE : revenue, balance sheet and financial ratios

ADL CONSEILS & PATRIMOINE is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANSE (69480), this company of category PME shows in 2023 a revenue of 570 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 - ADL CONSEILS & PATRIMOINE (SIREN 842361941)
Indicator 2025 2024 2023 2022 2021 2019
Revenue N/C N/C 569 777 € 479 658 € 441 933 € 186 117 €
Net income 275 608 € 358 361 € -123 859 € -26 830 € 9 844 € 40 556 €
EBITDA N/C N/C -108 788 € -9 504 € 15 787 € 50 095 €
Net margin N/C N/C -21.7% -5.6% 2.2% 21.8%

Revenue and income statement

In 2025, ADL CONSEILS & PATRIMOINE generates positive net income of 276 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2025: 41 k€ -> 276 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

275 608 €

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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 30%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 66%. 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

30.156%

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

65.933%

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

35.7%

Solvency indicators evolution
ADL CONSEILS & PATRIMOINE

Sector positioning

Debt ratio
30.16 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Average +42 pts over 3 years

In 2025, the debt ratio of ADL CONSEILS & PATRIMOINE (30.16) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
65.93% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Good +38 pts over 3 years

In 2025, the financial autonomy of ADL CONSEILS & PATRIMOINE (65.9%) 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.

Repayment capacity
-2.27 years 2023
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Excellent

In 2023, the repayment capacity of ADL CONSEILS & PATRIMOINE (-2.27) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 606.95. 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

606.95

Liquidity indicators evolution
ADL CONSEILS & PATRIMOINE

Sector positioning

Liquidity ratio
606.95 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Good +23 pts over 3 years

In 2025, the liquidity ratio of ADL CONSEILS & PATRIMOINE (606.95) 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.

Interest coverage
-4.46x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average

In 2023, the interest coverage of ADL CONSEILS & PATRIMOINE (-4.5x) 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) 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
ADL CONSEILS & PATRIMOINE

Positioning of ADL CONSEILS & 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 ADL CONSEILS & PATRIMOINE is estimated at 554 707 € (range 262 387€ - 2 532 738€). 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
262k€ 554k€ 2532k€
554 707 € Range: 262 387€ - 2 532 738€
NAF 5 all-time

Valuation method used

Net Income Multiple
275 608 € × 2.0x = 554 708 €
Range: 262 387€ - 2 532 739€

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 ADL CONSEILS & 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 ADL CONSEILS & PATRIMOINE

What is the revenue of ADL CONSEILS & PATRIMOINE ?

The revenue of ADL CONSEILS & PATRIMOINE in 2023 is 570 k€.

Is ADL CONSEILS & PATRIMOINE profitable?

Yes, ADL CONSEILS & PATRIMOINE generated a net profit of 276 k€ in 2025.

Where is the headquarters of ADL CONSEILS & PATRIMOINE ?

The headquarters of ADL CONSEILS & PATRIMOINE is located in ANSE (69480), in the department Rhone.

Where to find the tax return of ADL CONSEILS & PATRIMOINE ?

The tax return of ADL CONSEILS & 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 ADL CONSEILS & PATRIMOINE operate?

ADL CONSEILS & 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.