ALTEA PATRIMOINE ATLANTIQUE : revenue, balance sheet and financial ratios

ALTEA PATRIMOINE ATLANTIQUE is a French company founded 15 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in OREE D'ANJOU (49270), this company of category PME shows in 2020 a revenue of 228 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - ALTEA PATRIMOINE ATLANTIQUE (SIREN 528331671)
Indicator 2020 2018 2017
Revenue 227 935 € 190 531 € 169 458 €
Net income 208 € 12 811 € 12 508 €
EBITDA -1 955 € 15 157 € 12 567 €
Net margin 0.1% 6.7% 7.4%

Revenue and income statement

In 2020, ALTEA PATRIMOINE ATLANTIQUE achieves revenue of 228 k€. Over the period 2017-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +10.4%. Vs 2018, growth of +20% (191 k€ -> 228 k€). After deducting consumption (0 €), gross margin stands at 228 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 -2 k€, representing -0.9% of revenue. Warning negative scissor effect: despite revenue change (+20%), EBITDA varies by -113%, reducing margin by 8.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 208 €, i.e. 0.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

227 935 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

227 935 €

EBITDA (2020) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-1 955 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-2 174 €

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

208 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-0.9%

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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 14%. 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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 12.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

14.312%

Financial autonomy (2020) ?
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

17.996%

Cash flow / Revenue (2020) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

0.183%

Repayment capacity (2020) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

12.188

Asset age ratio (2020) ?
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

11.0%

Solvency indicators evolution
ALTEA PATRIMOINE ATLANTIQUE

Sector positioning

Debt ratio
14.31 2020
2017
2018
2020
Q1: 0.0
Med: 7.6
Q3: 77.53
Average

In 2020, the debt ratio of ALTEA PATRIMOINE ATLANTIQUE (14.31) 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
18.0% 2020
2017
2018
2020
Q1: 8.68%
Med: 42.85%
Q3: 74.07%
Average

In 2020, the financial autonomy of ALTEA PATRIMOINE ATLANTIQUE (18.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
12.19 years 2020
2017
2018
2020
Q1: 0.0 years
Med: 0.0 years
Q3: 1.39 years
Watch +19 pts over 3 years

In 2020, the repayment capacity of ALTEA PATRIMOINE ATLANTIQUE (12.19) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 123.53. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

123.534

Interest coverage (2020) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-3.683

Liquidity indicators evolution
ALTEA PATRIMOINE ATLANTIQUE

Sector positioning

Liquidity ratio
123.53 2020
2017
2018
2020
Q1: 143.09
Med: 293.45
Q3: 693.01
Watch

In 2020, the liquidity ratio of ALTEA PATRIMOINE ATLANTIQUE (123.53) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
-3.68x 2020
2017
2018
2020
Q1: 0.0x
Med: 0.0x
Q3: 0.53x
Average

In 2020, the interest coverage of ALTEA PATRIMOINE ATLANTIQUE (-3.7x) 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. Average customer payment term: 294 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 588 days. Excellent situation: suppliers finance 294 days of the operating cycle (retail model). Overall, WCR represents 329 days of revenue, i.e. 208 k€ to permanently finance. Over 2017-2020, WCR increased by +113%, requiring additional financing.

Operating WCR (2020) ?
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

208 123 €

Customer credit (2020) ?
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

294 j

Supplier credit (2020) ?
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

588 j

Inventory turnover (2020) ?
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 in days of revenue (2020) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

329 j

WCR and payment terms evolution
ALTEA PATRIMOINE ATLANTIQUE

Positioning of ALTEA PATRIMOINE ATLANTIQUE in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (23 transactions). This range of 31 785€ to 122 205€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
31k€ 62k€ 122k€
62 732 € Range: 31 785€ - 122 205€
NAF 5 année 2020

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 23 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare ALTEA PATRIMOINE ATLANTIQUE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about ALTEA PATRIMOINE ATLANTIQUE

What is the revenue of ALTEA PATRIMOINE ATLANTIQUE ?

The revenue of ALTEA PATRIMOINE ATLANTIQUE in 2020 is 228 k€.

Is ALTEA PATRIMOINE ATLANTIQUE profitable?

Yes, ALTEA PATRIMOINE ATLANTIQUE generated a net profit of 208€ in 2020.

Where is the headquarters of ALTEA PATRIMOINE ATLANTIQUE ?

The headquarters of ALTEA PATRIMOINE ATLANTIQUE is located in OREE D'ANJOU (49270), in the department Maine-et-Loire.

Where to find the tax return of ALTEA PATRIMOINE ATLANTIQUE ?

The tax return of ALTEA PATRIMOINE ATLANTIQUE 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 ALTEA PATRIMOINE ATLANTIQUE operate?

ALTEA PATRIMOINE ATLANTIQUE operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.