SIREN : 510241698
APG PATRIMOINE is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BORDEAUX (33200), this company of category PME shows in 2024 a revenue of 544 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 543 632 € | 504 724 € | 433 169 € | 357 163 € | 274 116 € | 361 390 € | 365 061 € |
| Net income | 10 962 € | 87 821 € | 74 889 € | 49 250 € | 24 366 € | 53 648 € | 39 216 € |
| EBITDA | 15 810 € | 105 476 € | 97 205 € | 70 159 € | 35 527 € | 59 988 € | 78 160 € |
| Net margin | 2.0% | 17.4% | 17.3% | 13.8% | 8.9% | 14.8% | 10.7% |
In 2024, APG PATRIMOINE achieves revenue of 544 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +5.9%. Vs 2022: +8%. After deducting consumption (0 €), gross margin stands at 544 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 16 k€, representing 2.9% of revenue. Warning negative scissor effect: despite revenue change (+8%), EBITDA varies by -85%, reducing margin by 18.0 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 11 k€, i.e. 2.0% of revenue. This profit can be retained or distributed to shareholders.
543 632 €
543 632 €
15 810 €
16 036 €
10 962 €
2.9%
The debt ratio (= Financial debt / Equity x 100) stands at 12%. 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 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 2.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
12.346%
35.73%
2.119%
1.252
8.4%
In 2024, the debt ratio of APG PATRIMOINE (12.35) 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 APG PATRIMOINE (35.7%) 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 APG PATRIMOINE (1.25) 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 128.33. 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 0.6x. Danger: operating income does not cover interest charges, unsustainable situation.
128.332
0.645
In 2024, the liquidity ratio of APG PATRIMOINE (128.33) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of APG PATRIMOINE (0.7x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 105 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 131 days. Favorable situation: supplier credit is longer than customer credit by 26 days. Overall, WCR represents 110 days of revenue, i.e. 165 k€ to permanently finance. Over 2017-2024, WCR increased by +147%, requiring additional financing.
165 482 €
105 j
131 j
0 j
110 j
Based on 193 transactions of similar company sales (all years), the value of APG PATRIMOINE is estimated at 174 206 € (range 49 240€ - 366 985€). With an EBITDA of 15 810€, 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 APG PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of APG PATRIMOINE in 2024 is 544 k€.
Yes, APG PATRIMOINE generated a net profit of 11 k€ in 2024.
The headquarters of APG PATRIMOINE is located in BORDEAUX (33200), in the department Gironde.
The tax return of APG 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).
APG 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.