SIREN : 445067937
BSB PATRIMOINE is a French company founded 23 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MOUGINS (06250), this company of category PME shows in 2023 a revenue of 202 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 | 2023 |
|---|---|
| Revenue | 201 505 € |
| Net income | 147 254 € |
| EBITDA | 80 123 € |
| Net margin | 73.1% |
In 2023, BSB PATRIMOINE achieves revenue of 202 k€. After deducting consumption (0 €), gross margin stands at 202 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 80 k€, representing 39.8% 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 147 k€, i.e. 73.1% of revenue. This profit can be retained or distributed to shareholders.
201 505 €
201 505 €
80 123 €
77 956 €
147 254 €
39.8%
The debt ratio (= Financial debt / Equity x 100) stands at 193%. 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 33%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 71.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
192.659%
32.685%
71.349%
5.151
21.0%
In 2023, the debt ratio of BSB PATRIMOINE (192.66) 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 2023, the financial autonomy of BSB PATRIMOINE (32.7%) 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 2023, the repayment capacity of BSB PATRIMOINE (5.15) 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 402.45. 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 12.2x. Operating income very largely covers interest expenses: high safety margin.
402.454
12.181
In 2023, the liquidity ratio of BSB PATRIMOINE (402.45) 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 2023, the interest coverage of BSB PATRIMOINE (12.2x) 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: 59 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 283 days. Excellent situation: suppliers finance 224 days of the operating cycle (retail model). Overall, WCR represents 326 days of revenue, i.e. 182 k€ to permanently finance.
182 283 €
59 j
283 j
0 j
326 j
Based on 193 transactions of similar company sales (all years), the value of BSB PATRIMOINE is estimated at 167 164 € (range 57 126€ - 628 657€). With an EBITDA of 80 123€, 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 BSB PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of BSB PATRIMOINE in 2023 is 202 k€.
Yes, BSB PATRIMOINE generated a net profit of 147 k€ in 2023.
The headquarters of BSB PATRIMOINE is located in MOUGINS (06250), in the department Alpes-Maritimes.
The tax return of BSB 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).
BSB 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.