SIREN : 848336202
CLEVER PATRIMOINE is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69003), this company of category PME shows in 2022 a revenue of 68 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 | 2022 | 2021 | 2020 |
|---|---|---|---|
| Revenue | 67 860 € | 54 044 € | 41 452 € |
| Net income | -3 419 € | 10 856 € | 13 828 € |
| EBITDA | -2 921 € | 13 222 € | 16 042 € |
| Net margin | -5.0% | 20.1% | 33.4% |
In 2022, CLEVER PATRIMOINE achieves revenue of 68 k€. Over the period 2020-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +27.9%. Vs 2021, growth of +26% (54 k€ -> 68 k€). After deducting consumption (0 €), gross margin stands at 68 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 -3 k€, representing -4.3% of revenue. Warning negative scissor effect: despite revenue change (+26%), EBITDA varies by -122%, reducing margin by 28.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -3 k€ (-5.0% of revenue), which will impact equity.
67 860 €
67 860 €
-2 921 €
-3 143 €
-3 419 €
-4.3%
The debt ratio (= Financial debt / Equity x 100) stands at 45%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 62%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
44.762%
62.301%
-4.707%
-3.394
29.1%
In 2022, the debt ratio of CLEVER PATRIMOINE (44.76) 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 2022, the financial autonomy of CLEVER PATRIMOINE (62.3%) 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.
In 2022, the repayment capacity of CLEVER PATRIMOINE (-3.39) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 544.00. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
543.996
-0.616
In 2022, the liquidity ratio of CLEVER PATRIMOINE (544.00) 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.
In 2022, the interest coverage of CLEVER PATRIMOINE (-0.6x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 27 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. The company must finance 20 days of gap between collections and payments. Overall, WCR represents 16 days of revenue, i.e. 3 k€ to permanently finance.
2 990 €
27 j
7 j
0 j
16 j
Based on 193 transactions of similar company sales (all years), the value of CLEVER PATRIMOINE is estimated at 66 667 € (range 18 591€ - 123 990€). 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.
Only this financial indicator is available for this company.
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 CLEVER PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of CLEVER PATRIMOINE in 2022 is 68 k€.
CLEVER PATRIMOINE recorded a net loss in 2022.
The headquarters of CLEVER PATRIMOINE is located in LYON (69003), in the department Rhone.
The tax return of CLEVER 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).
CLEVER 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.