CRED'ASSUR PATRIMOINE : revenue, balance sheet and financial ratios

CRED'ASSUR PATRIMOINE is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ROUEN (76100), this company of category PME shows in 2022 a revenue of 105 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

Financial history - CRED'ASSUR PATRIMOINE (SIREN 453169518)
Indicator 2024 2023 2022 2021 2020 2018 2017 2016
Revenue N/C N/C 105 461 € N/C 76 366 € 134 007 € 146 242 € 155 675 €
Net income 0 € 0 € 25 652 € 0 € 140 000 € 29 884 € 40 758 € 41 377 €
EBITDA N/C N/C 23 142 € N/C -35 110 € 48 321 € 64 554 € 65 921 €
Net margin N/C N/C 24.3% N/C 183.3% 22.3% 27.9% 26.6%

Revenue and income statement

In 2024, CRED'ASSUR PATRIMOINE records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2016-2022: 41 k€ -> 0 €.

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 2%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

2.136%

Financial autonomy (2024) ?
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

2.07%

Asset age ratio (2024) ?
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

61.4%

Solvency indicators evolution
CRED'ASSUR PATRIMOINE

Sector positioning

Debt ratio
2.14 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good

In 2024, the debt ratio of CRED'ASSUR PATRIMOINE (2.14) 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
2.07% 2024
2022
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average

In 2024, the financial autonomy of CRED'ASSUR PATRIMOINE (2.1%) 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
1.04 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.36 years
Average

In 2022, the repayment capacity of CRED'ASSUR PATRIMOINE (1.04) 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 6431.05. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

6431.053

Liquidity indicators evolution
CRED'ASSUR PATRIMOINE

Sector positioning

Liquidity ratio
6431.05 2024
2022
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Excellent +12 pts over 3 years

In 2024, the liquidity ratio of CRED'ASSUR PATRIMOINE (6431.05) 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
0.49x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good

In 2022, the interest coverage of CRED'ASSUR PATRIMOINE (0.5x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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 (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
CRED'ASSUR PATRIMOINE

Positioning of CRED'ASSUR PATRIMOINE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

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

Compare CRED'ASSUR 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 CRED'ASSUR PATRIMOINE

What is the revenue of CRED'ASSUR PATRIMOINE ?

The revenue of CRED'ASSUR PATRIMOINE in 2022 is 105 k€.

Is CRED'ASSUR PATRIMOINE profitable?

Yes, CRED'ASSUR PATRIMOINE generated a net profit of 26 k€ in 2022.

Where is the headquarters of CRED'ASSUR PATRIMOINE ?

The headquarters of CRED'ASSUR PATRIMOINE is located in ROUEN (76100), in the department Seine-Maritime.

Where to find the tax return of CRED'ASSUR PATRIMOINE ?

The tax return of CRED'ASSUR 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 CRED'ASSUR PATRIMOINE operate?

CRED'ASSUR 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.