ARMONYS PATRIMOINE : revenue, balance sheet and financial ratios

ARMONYS PATRIMOINE is a French company founded 19 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PONTOISE (95300), this company of category PME shows in 2018 a revenue of 307 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - ARMONYS PATRIMOINE (SIREN 493270763)
Indicator 2019 2018 2017 2016
Revenue N/C 306 862 € 286 533 € 351 648 €
Net income 76 284 € 34 397 € 34 362 € 59 495 €
EBITDA N/C 83 444 € 61 599 € 78 559 €
Net margin N/C 11.2% 12.0% 16.9%

Revenue and income statement

In 2019, ARMONYS PATRIMOINE generates positive net income of 76 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2019: 59 k€ -> 76 k€.

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

76 284 €

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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 53%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 55%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

52.618%

Financial autonomy (2019) ?
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

54.6%

Asset age ratio (2019) ?
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

49.1%

Solvency indicators evolution
ARMONYS PATRIMOINE

Sector positioning

Debt ratio
52.62 2019
2017
2018
2019
Q1: 0.0
Med: 4.29
Q3: 44.13
Average

In 2019, the debt ratio of ARMONYS PATRIMOINE (52.62) 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
54.6% 2019
2017
2018
2019
Q1: 5.58%
Med: 39.62%
Q3: 73.61%
Good +14 pts over 3 years

In 2019, the financial autonomy of ARMONYS PATRIMOINE (54.6%) 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
1.34 years 2018
2017
2018
Q1: 0.0 years
Med: 0.0 years
Q3: 0.66 years
Average

In 2018, the repayment capacity of ARMONYS PATRIMOINE (1.34) 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 313.81. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
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

313.807

Liquidity indicators evolution
ARMONYS PATRIMOINE

Sector positioning

Liquidity ratio
313.81 2019
2017
2018
2019
Q1: 136.05
Med: 274.14
Q3: 675.52
Good +17 pts over 3 years

In 2019, the liquidity ratio of ARMONYS PATRIMOINE (313.81) 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
0.73x 2018
2017
2018
Q1: 0.0x
Med: 0.0x
Q3: 0.32x
Excellent

In 2018, the interest coverage of ARMONYS PATRIMOINE (0.7x) 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) and payment terms

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

Operating WCR (2019) ?
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 (2019) ?
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 (2019) ?
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 (2019) ?
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
ARMONYS PATRIMOINE

Positioning of ARMONYS PATRIMOINE in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 73 transactions of similar company sales in 2019, the value of ARMONYS PATRIMOINE is estimated at 298 541 € (range 148 363€ - 666 187€). 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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2019
73 tx
148k€ 298k€ 666k€
298 541 € Range: 148 363€ - 666 187€
NAF 5 année 2019

Valuation method used

Net Income Multiple
76 284 € × 3.9x = 298 542 €
Range: 148 364€ - 666 187€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 73 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 (Conseil pour les affaires et autres conseils de gestion)

Compare ARMONYS PATRIMOINE with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about ARMONYS PATRIMOINE

What is the revenue of ARMONYS PATRIMOINE ?

The revenue of ARMONYS PATRIMOINE in 2018 is 307 k€.

Is ARMONYS PATRIMOINE profitable?

Yes, ARMONYS PATRIMOINE generated a net profit of 76 k€ in 2019.

Where is the headquarters of ARMONYS PATRIMOINE ?

The headquarters of ARMONYS PATRIMOINE is located in PONTOISE (95300), in the department Val-d'Oise.

Where to find the tax return of ARMONYS PATRIMOINE ?

The tax return of ARMONYS 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 ARMONYS PATRIMOINE operate?

ARMONYS PATRIMOINE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.