Employees: 03 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2009-01-09 (17 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: TOULOUSE (31500), Haute-Garonne
ELITE PATRIMOINE : revenue, balance sheet and financial ratios
ELITE PATRIMOINE is a French company
founded 17 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in TOULOUSE (31500),
this company of category PME
shows in 2023 a revenue of 2.1 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - ELITE PATRIMOINE (SIREN 509951455)
Indicator
2024
2023
2021
2020
2019
2018
2017
Revenue
N/C
2 083 497 €
1 936 635 €
1 418 141 €
901 671 €
936 846 €
746 642 €
Net income
672 673 €
475 163 €
315 402 €
254 828 €
181 882 €
170 221 €
256 311 €
EBITDA
N/C
562 404 €
408 357 €
337 990 €
257 295 €
205 044 €
281 165 €
Net margin
N/C
22.8%
16.3%
18.0%
20.2%
18.2%
34.3%
Revenue and income statement
In 2024, ELITE PATRIMOINE generates positive net income of 673 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2024: 256 k€ -> 673 k€.
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
672 673 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 13%. 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 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
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
13.481%
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
47.591%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2023
2024
Debt ratio
0.811
13.89
38.049
6.085
30.265
27.207
13.481
Financial autonomy
78.424
39.069
53.095
48.488
43.842
51.477
47.591
Repayment capacity
0.009
0.178
0.464
0.059
0.332
0.336
None
Cash flow / Revenue
33.305%
15.748%
19.235%
17.131%
15.931%
19.545%
None%
Sector positioning
Debt ratio
13.482024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average
In 2024, the debt ratio of ELITE PATRIMOINE (13.48) 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
47.59%2024
2021
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Good
In 2024, the financial autonomy of ELITE PATRIMOINE (47.6%) 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.
Repayment capacity
0.34 years2023
2021
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average
In 2023, the repayment capacity of ELITE PATRIMOINE (0.34) 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 245.75. 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
245.748
Liquidity indicators evolution ELITE PATRIMOINE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2017
2018
2019
2020
2021
2023
2024
Liquidity ratio
436.945
161.333
334.314
190.08
221.06
389.763
245.748
Interest coverage
0.0
0.059
0.075
0.043
0.025
0.0
None
Sector positioning
Liquidity ratio
245.752024
2021
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good
In 2024, the liquidity ratio of ELITE PATRIMOINE (245.75) 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
0.0x2023
2021
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Average-25 pts over 2 years
In 2023, the interest coverage of ELITE 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.
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 ELITE PATRIMOINE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2017
2018
2019
2020
2021
2023
2024
Operating WCR
304 615 €
286 750 €
214 580 €
150 663 €
271 768 €
402 907 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
90
97
94
39
75
92
0
Supplier payment term (days)
70
110
52
76
54
36
0
Positioning of ELITE 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 ELITE PATRIMOINE is estimated at
1 353 868 €
(range 640 405€ - 6 181 623€).
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 value2024
193 transactions
640k€1353k€6181k€
1 353 868 €Range: 640 405€ - 6 181 623€
NAF 5 all-time
Valuation method used
Net Income Multiple
672 673 €
×
2.0x
=1 353 868 €
Range: 640 406€ - 6 181 624€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 ELITE PATRIMOINE with other companies in the same sector:
The revenue of ELITE PATRIMOINE in 2023 is 2.1 M€.
Is ELITE PATRIMOINE profitable?
Yes, ELITE PATRIMOINE generated a net profit of 673 k€ in 2024.
Where is the headquarters of ELITE PATRIMOINE ?
The headquarters of ELITE PATRIMOINE is located in TOULOUSE (31500), in the department Haute-Garonne.
Where to find the tax return of ELITE PATRIMOINE ?
The tax return of ELITE 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 ELITE PATRIMOINE operate?
ELITE 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.
Item evolution
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