SIREN : 823753173
DCB PATRIMOINE is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69006), this company of category PME shows in 2019 a revenue of 420 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 | 2019 | 2018 |
|---|---|---|
| Revenue | 419 538 € | 323 965 € |
| Net income | 168 637 € | 141 468 € |
| EBITDA | 228 891 € | 149 335 € |
| Net margin | 40.2% | 43.7% |
In 2019, DCB PATRIMOINE achieves revenue of 420 k€. Vs 2018, growth of +30% (324 k€ -> 420 k€). After deducting consumption (0 €), gross margin stands at 420 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 229 k€, representing 54.6% of revenue. Positive scissor effect: EBITDA margin improves by +8.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 169 k€, i.e. 40.2% of revenue. This profit can be retained or distributed to shareholders.
419 538 €
419 538 €
228 891 €
231 474 €
168 637 €
54.6%
The debt ratio (= Financial debt / Equity x 100) stands at 130%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 42%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 39.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
130.257%
41.7%
39.052%
3.831
In 2019, the debt ratio of DCB PATRIMOINE (130.26) 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 2019, the financial autonomy of DCB PATRIMOINE (41.7%) 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 2019, the repayment capacity of DCB PATRIMOINE (3.83) 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 311.87. 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 1.8x. Coverage is limited: any activity downturn would jeopardize interest payments.
311.866
1.808
In 2019, the liquidity ratio of DCB PATRIMOINE (311.87) 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 2019, the interest coverage of DCB PATRIMOINE (1.8x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-38 days): operations structurally generate cash.
-44 022 €
0 j
7 j
0 j
-38 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 133 319€ to 864 095€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 DCB PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of DCB PATRIMOINE in 2019 is 420 k€.
Yes, DCB PATRIMOINE generated a net profit of 169 k€ in 2019.
The headquarters of DCB PATRIMOINE is located in LYON (69006), in the department Rhone.
The tax return of DCB 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).
DCB 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.