SIREN : 790361901
EFI PATRIMOINE is a French company founded 13 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHANGE (53810), this company of category PME shows in 2024 a revenue of 1.6 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 1 554 359 € | 1 616 190 € | 1 384 975 € | 1 177 954 € | 1 056 843 € | 966 153 € |
| Net income | 213 484 € | 293 000 € | 249 171 € | 99 695 € | 124 361 € | 29 263 € |
| EBITDA | 332 383 € | 407 886 € | 339 825 € | 238 107 € | 200 405 € | 50 524 € |
| Net margin | 13.7% | 18.1% | 18.0% | 8.5% | 11.8% | 3.0% |
In 2024, EFI PATRIMOINE achieves revenue of 1.6 M€. Over the period 2019-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +10.0%. Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 1.6 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 332 k€, representing 21.4% of revenue. Warning negative scissor effect: despite revenue change (-4%), EBITDA varies by -19%, reducing margin by 3.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 213 k€, i.e. 13.7% of revenue. This profit can be retained or distributed to shareholders.
1 554 359 €
1 554 359 €
332 383 €
286 726 €
213 484 €
21.4%
The debt ratio (= Financial debt / Equity x 100) stands at 61%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 15.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
61.176%
34.451%
15.916%
0.744
69.9%
In 2024, the debt ratio of EFI PATRIMOINE (61.18) 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 2024, the financial autonomy of EFI PATRIMOINE (34.5%) 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 2024, the repayment capacity of EFI PATRIMOINE (0.74) 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 212.88. 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 1.1x. Coverage is limited: any activity downturn would jeopardize interest payments.
212.882
1.087
In 2024, the liquidity ratio of EFI PATRIMOINE (212.88) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2024, the interest coverage of EFI PATRIMOINE (1.1x) 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: 78 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 148 days. Excellent situation: suppliers finance 70 days of the operating cycle (retail model). Overall, WCR represents 78 days of revenue, i.e. 335 k€ to permanently finance. Over 2019-2024, WCR increased by +1431%, requiring additional financing.
334 918 €
78 j
148 j
0 j
78 j
Based on 193 transactions of similar company sales (all years), the value of EFI PATRIMOINE is estimated at 745 248 € (range 220 369€ - 2 271 365€). With an EBITDA of 332 383€, 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.
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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 EFI PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of EFI PATRIMOINE in 2024 is 1.6 M€.
Yes, EFI PATRIMOINE generated a net profit of 213 k€ in 2024.
The headquarters of EFI PATRIMOINE is located in CHANGE (53810), in the department Mayenne.
The tax return of EFI 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).
EFI 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.