D.T ASSURANCES ET PATRIMOINE : revenue, balance sheet and financial ratios

D.T ASSURANCES ET PATRIMOINE is a French company founded 7 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TINQUEUX (51430), this company of category PME shows in 2023 a revenue of 70 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

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

Financial history - D.T ASSURANCES ET PATRIMOINE (SIREN 849688486)
Indicator 2023 2022 2021 2020 2019
Revenue 70 199 € 78 403 € 92 371 € 59 914 € 294 €
Net income 3 690 € -1 648 € -1 481 € 2 924 € -2 064 €
EBITDA 25 573 € 1 953 € 6 620 € 9 856 € -6 221 €
Net margin 5.3% -2.1% -1.6% 4.9% -702.0%

Revenue and income statement

In 2023, D.T ASSURANCES ET PATRIMOINE achieves revenue of 70 k€. Over the period 2019-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +293.1%. Significant drop of -10% vs 2022. After deducting consumption (0 €), gross margin stands at 70 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 26 k€, representing 36.4% of revenue. Positive scissor effect: EBITDA margin improves by +33.9 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 4 k€, i.e. 5.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

70 199 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

70 199 €

EBITDA (2023) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

25 573 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

16 691 €

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

3 690 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

36.4%

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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 263%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 23%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 31.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

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

262.535%

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

23.39%

Cash flow / Revenue (2023) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

31.476%

Repayment capacity (2023) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.763

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

57.0%

Solvency indicators evolution
D.T ASSURANCES ET PATRIMOINE

Sector positioning

Debt ratio
262.54 2023
2021
2022
2023
Q1: 0.0
Med: 8.57
Q3: 49.54
Average +50 pts over 3 years

In 2023, the debt ratio of D.T ASSURANCES ET PATRIMOINE (262.54) 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
23.39% 2023
2021
2022
2023
Q1: 14.09%
Med: 47.17%
Q3: 74.18%
Average +7 pts over 3 years

In 2023, the financial autonomy of D.T ASSURANCES ET PATRIMOINE (23.4%) 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
0.76 years 2023
2021
2022
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average +33 pts over 3 years

In 2023, the repayment capacity of D.T ASSURANCES ET PATRIMOINE (0.76) 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 376.43. 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

376.425

Interest coverage (2023) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
D.T ASSURANCES ET PATRIMOINE

Sector positioning

Liquidity ratio
376.43 2023
2021
2022
2023
Q1: 123.56
Med: 243.64
Q3: 585.03
Good +47 pts over 3 years

In 2023, the liquidity ratio of D.T ASSURANCES ET PATRIMOINE (376.43) 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.

Interest coverage
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average

In 2023, the interest coverage of D.T ASSURANCES ET PATRIMOINE (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Overall, WCR represents 49 days of revenue, i.e. 10 k€ to permanently finance. Over 2019-2023, WCR increased by +196%, requiring additional financing.

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

9 608 €

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 in days of revenue (2023) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

49 j

WCR and payment terms evolution
D.T ASSURANCES ET PATRIMOINE

Positioning of D.T ASSURANCES ET 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 D.T ASSURANCES ET PATRIMOINE is estimated at 37 655 € (range 10 470€ - 124 275€). With an EBITDA of 25 573€, the sector multiple of 1.2x is applied. 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.

Estimated enterprise value 2023
193 transactions
10k€ 37k€ 124k€
37 655 € Range: 10 470€ - 124 275€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
25 573 € × 1.2x
Estimation 30 960 €
7 997€ - 158 029€
Revenue Multiple 30%
70 199 € × 0.98x
Estimation 68 965 €
19 232€ - 128 264€
Net Income Multiple 20%
3 690 € × 2.0x
Estimation 7 427 €
3 513€ - 33 910€

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 D.T ASSURANCES ET 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 D.T ASSURANCES ET PATRIMOINE

What is the revenue of D.T ASSURANCES ET PATRIMOINE ?

The revenue of D.T ASSURANCES ET PATRIMOINE in 2023 is 70 k€.

Is D.T ASSURANCES ET PATRIMOINE profitable?

Yes, D.T ASSURANCES ET PATRIMOINE generated a net profit of 4 k€ in 2023.

Where is the headquarters of D.T ASSURANCES ET PATRIMOINE ?

The headquarters of D.T ASSURANCES ET PATRIMOINE is located in TINQUEUX (51430), in the department Marne.

Where to find the tax return of D.T ASSURANCES ET PATRIMOINE ?

The tax return of D.T ASSURANCES ET 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 D.T ASSURANCES ET PATRIMOINE operate?

D.T ASSURANCES ET 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.