CABINET AP PATRIMOINE : revenue, balance sheet and financial ratios

CABINET AP PATRIMOINE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in DIJON (21000), this company of category PME shows in 2022 a revenue of 1.2 M€. 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

Financial history - CABINET AP PATRIMOINE (SIREN 498218510)
Indicator 2023 2022 2021 2019 2018 2017 2016
Revenue N/C 1 176 817 € 813 677 € 602 032 € 561 697 € 545 104 € 455 850 €
Net income 46 905 € 114 345 € 122 777 € 62 301 € 99 267 € 85 333 € 64 018 €
EBITDA N/C 163 059 € 174 480 € 92 875 € 142 820 € 128 408 € 121 509 €
Net margin N/C 9.7% 15.1% 10.3% 17.7% 15.7% 14.0%

Revenue and income statement

In 2023, CABINET AP PATRIMOINE generates positive net income of 47 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2023: 64 k€ -> 47 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

46 905 €

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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 44%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 59%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

43.571%

Financial autonomy (2023) ?
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

58.899%

Asset age ratio (2023) ?
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

82.1%

Solvency indicators evolution
CABINET AP PATRIMOINE

Sector positioning

Debt ratio
43.57 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.39
Average

In 2023, the debt ratio of CABINET AP PATRIMOINE (43.57) 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
58.9% 2023
2021
2022
2023
Q1: 14.03%
Med: 47.19%
Q3: 74.22%
Good +7 pts over 3 years

In 2023, the financial autonomy of CABINET AP PATRIMOINE (58.9%) 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
3.6 years 2022
2021
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average

In 2022, the repayment capacity of CABINET AP PATRIMOINE (3.60) 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 64.65. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

64.649

Liquidity indicators evolution
CABINET AP PATRIMOINE

Sector positioning

Liquidity ratio
64.65 2023
2021
2022
2023
Q1: 123.62
Med: 243.64
Q3: 585.08
Watch -18 pts over 3 years

In 2023, the liquidity ratio of CABINET AP PATRIMOINE (64.65) 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.

Interest coverage
2.81x 2022
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Excellent

In 2022, the interest coverage of CABINET AP PATRIMOINE (2.8x) 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 (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
CABINET AP PATRIMOINE

Positioning of CABINET AP PATRIMOINE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of CABINET AP PATRIMOINE is estimated at 94 404 € (range 44 655€ - 431 040€). 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.

Estimated enterprise value 2023
193 transactions
44k€ 94k€ 431k€
94 404 € Range: 44 655€ - 431 040€
NAF 5 all-time

Valuation method used

Net Income Multiple
46 905 € × 2.0x = 94 404 €
Range: 44 655€ - 431 040€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

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.

  • 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 (Activités des agents et courtiers d'assurances)

Compare CABINET AP PATRIMOINE with other companies in the same sector:

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

Frequently asked questions about CABINET AP PATRIMOINE

What is the revenue of CABINET AP PATRIMOINE ?

The revenue of CABINET AP PATRIMOINE in 2022 is 1.2 M€.

Is CABINET AP PATRIMOINE profitable?

Yes, CABINET AP PATRIMOINE generated a net profit of 47 k€ in 2023.

Where is the headquarters of CABINET AP PATRIMOINE ?

The headquarters of CABINET AP PATRIMOINE is located in DIJON (21000), in the department Cote-d'Or.

Where to find the tax return of CABINET AP PATRIMOINE ?

The tax return of CABINET AP 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 CABINET AP PATRIMOINE operate?

CABINET AP 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.