SIREN : 481403210
AMOPHYS PATRIMOINE is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69006), this company of category PME shows in 2024 a revenue of 103 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 102 955 € | 98 710 € | 113 212 € | 74 342 € | 92 743 € | 104 585 € | 103 439 € | 71 927 € | 68 255 € |
| Net income | 7 750 € | -16 825 € | 10 685 € | -59 898 € | -54 162 € | -29 960 € | -400 376 € | 45 143 € | 155 194 € |
| EBITDA | 15 373 € | -19 210 € | 12 043 € | 13 536 € | 5 307 € | 37 966 € | 93 954 € | 64 174 € | 58 638 € |
| Net margin | 7.5% | -17.0% | 9.4% | -80.6% | -58.4% | -28.6% | -387.1% | 62.8% | 227.4% |
In 2024, AMOPHYS PATRIMOINE achieves revenue of 103 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.3%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 103 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 15 k€, representing 14.9% of revenue. Positive scissor effect: EBITDA margin improves by +34.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 8 k€, i.e. 7.5% of revenue. This profit can be retained or distributed to shareholders.
102 955 €
102 955 €
15 373 €
18 211 €
7 750 €
14.9%
The debt ratio (= Financial debt / Equity x 100) stands at -1983%. 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 -4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 14.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
-1983.176%
-3.551%
14.671%
10.317
10.0%
In 2024, the debt ratio of AMOPHYS PATRIMOINE (-1983.18) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of AMOPHYS PATRIMOINE (-3.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of AMOPHYS PATRIMOINE (10.32) 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 287.79. 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 66.7x. Operating income very largely covers interest expenses: high safety margin.
287.791
66.695
In 2024, the liquidity ratio of AMOPHYS PATRIMOINE (287.79) 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 AMOPHYS PATRIMOINE (66.7x) 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: 28 days. Favorable situation: supplier credit is longer than customer credit by 28 days. Overall, WCR represents 479 days of revenue, i.e. 137 k€ to permanently finance. Over 2016-2024, WCR increased by +9356%, requiring additional financing.
137 091 €
0 j
28 j
0 j
479 j
Based on 193 transactions of similar company sales (all years), the value of AMOPHYS PATRIMOINE is estimated at 42 769 € (range 12 341€ - 118 177€). With an EBITDA of 15 373€, 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 AMOPHYS PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of AMOPHYS PATRIMOINE in 2024 is 103 k€.
Yes, AMOPHYS PATRIMOINE generated a net profit of 8 k€ in 2024.
The headquarters of AMOPHYS PATRIMOINE is located in LYON (69006), in the department Rhone.
The tax return of AMOPHYS 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).
AMOPHYS 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.