BWA PATRIMOINE ET PREVOYANCE : revenue, balance sheet and financial ratios

BWA PATRIMOINE ET PREVOYANCE is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PRADES-LE-LEZ (34730), this company of category PME shows in 2019 a revenue of 91 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

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

Financial history - BWA PATRIMOINE ET PREVOYANCE (SIREN 521626622)
Indicator 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 90 702 € 82 319 € 76 310 € 73 052 €
Net income 0 € 0 € 38 495 € 39 292 € 33 846 € 34 744 €
EBITDA N/C N/C 51 837 € 51 344 € 44 512 € 45 078 €
Net margin N/C N/C 42.4% 47.7% 44.4% 47.6%

Revenue and income statement

In 2021, BWA PATRIMOINE ET PREVOYANCE records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2016-2019: 35 k€ -> 0 €.

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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 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.439%

Financial autonomy (2021) ?
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

0.436%

Asset age ratio (2021) ?
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

27.5%

Solvency indicators evolution
BWA PATRIMOINE ET PREVOYANCE

Sector positioning

Debt ratio
0.44 2021
2019
2020
2021
Q1: 0.06
Med: 13.38
Q3: 70.46
Good

In 2021, the debt ratio of BWA PATRIMOINE ET PREVOYANCE (0.44) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
0.44% 2021
2019
2020
2021
Q1: 17.05%
Med: 46.59%
Q3: 72.43%
Average

In 2021, the financial autonomy of BWA PATRIMOINE ET PREVOYANCE (0.4%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.26 years
Excellent

In 2019, the repayment capacity of BWA PATRIMOINE ET PREVOYANCE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 10671.81. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

10671.812

Liquidity indicators evolution
BWA PATRIMOINE ET PREVOYANCE

Sector positioning

Liquidity ratio
10671.81 2021
2019
2020
2021
Q1: 120.88
Med: 222.5
Q3: 473.98
Excellent

In 2021, the liquidity ratio of BWA PATRIMOINE ET PREVOYANCE (10671.81) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
7.28x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.31x
Excellent

In 2019, the interest coverage of BWA PATRIMOINE ET PREVOYANCE (7.3x) 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) and payment terms

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

Operating WCR (2021) ?
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 (2021) ?
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 (2021) ?
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 (2021) ?
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
BWA PATRIMOINE ET PREVOYANCE

Positioning of BWA PATRIMOINE ET PREVOYANCE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare BWA PATRIMOINE ET PREVOYANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about BWA PATRIMOINE ET PREVOYANCE

What is the revenue of BWA PATRIMOINE ET PREVOYANCE ?

The revenue of BWA PATRIMOINE ET PREVOYANCE in 2019 is 91 k€.

Is BWA PATRIMOINE ET PREVOYANCE profitable?

Yes, BWA PATRIMOINE ET PREVOYANCE generated a net profit of 38 k€ in 2019.

Where is the headquarters of BWA PATRIMOINE ET PREVOYANCE ?

The headquarters of BWA PATRIMOINE ET PREVOYANCE is located in PRADES-LE-LEZ (34730), in the department Herault.

Where to find the tax return of BWA PATRIMOINE ET PREVOYANCE ?

The tax return of BWA PATRIMOINE ET PREVOYANCE 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 BWA PATRIMOINE ET PREVOYANCE operate?

BWA PATRIMOINE ET PREVOYANCE 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.