SIREN : 908243223
BA PATRIMOINE is a French company founded 4 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 275 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 |
|---|---|
| Revenue | 274 701 € |
| Net income | 41 045 € |
| EBITDA | 72 902 € |
| Net margin | 14.9% |
In 2024, BA PATRIMOINE achieves revenue of 275 k€. After deducting consumption (0 €), gross margin stands at 275 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 73 k€, representing 26.5% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 41 k€, i.e. 14.9% of revenue. This profit can be retained or distributed to shareholders.
274 701 €
274 701 €
72 902 €
65 294 €
41 045 €
26.5%
The debt ratio (= Financial debt / Equity x 100) stands at 917%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 80%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 17.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
917.452%
80.071%
17.716%
10.366
52.5%
In 2024, the debt ratio of BA PATRIMOINE (917.45) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of BA PATRIMOINE (80.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of BA PATRIMOINE (10.37) 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 17.69. 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 22.3x. Operating income very largely covers interest expenses: high safety margin.
17.693
22.27
In 2024, the liquidity ratio of BA PATRIMOINE (17.69) 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.
In 2024, the interest coverage of BA PATRIMOINE (22.3x) 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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 84 days. Excellent situation: suppliers finance 82 days of the operating cycle (retail model). WCR is negative (-79 days): operations structurally generate cash.
-60 539 €
2 j
84 j
0 j
-79 j
Based on 193 transactions of similar company sales (all years), the value of BA PATRIMOINE is estimated at 141 613 € (range 41 791€ - 451 263€). With an EBITDA of 72 902€, 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 BA PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BA PATRIMOINE in 2024 is 275 k€.
Yes, BA PATRIMOINE generated a net profit of 41 k€ in 2024.
The headquarters of BA PATRIMOINE is located in BORDEAUX (33200), in the department Gironde.
The tax return of BA 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).
BA 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.