SIREN : 818070633
ETHIKK PATRIMOINE is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in OSSUN (65380), this company of category PME shows in 2024 a revenue of 238 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2019 |
|---|---|---|
| Revenue | 238 196 € | 35 445 € |
| Net income | 18 512 € | -618 € |
| EBITDA | 25 045 € | 39 € |
| Net margin | 7.8% | -1.7% |
In 2024, ETHIKK PATRIMOINE achieves revenue of 238 k€. Vs 2019, growth of +572% (35 k€ -> 238 k€). After deducting consumption (0 €), gross margin stands at 238 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 25 k€, representing 10.5% of revenue. Positive scissor effect: EBITDA margin improves by +10.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 19 k€, i.e. 7.8% of revenue. This profit can be retained or distributed to shareholders.
238 196 €
238 196 €
25 045 €
24 952 €
18 512 €
10.5%
The debt ratio (= Financial debt / Equity x 100) stands at 118%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.4 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 7.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
117.67%
31.281%
7.771%
3.397
In 2024, the debt ratio of ETHIKK PATRIMOINE (117.67) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of ETHIKK PATRIMOINE (31.3%) 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 ETHIKK PATRIMOINE (3.40) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 159.02. 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 12.7x. Operating income very largely covers interest expenses: high safety margin.
159.019
12.673
In 2024, the liquidity ratio of ETHIKK PATRIMOINE (159.02) 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 ETHIKK PATRIMOINE (12.7x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 42 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 81 days. Excellent situation: suppliers finance 39 days of the operating cycle (retail model). Overall, WCR represents 73 days of revenue, i.e. 48 k€ to permanently finance.
48 185 €
42 j
81 j
0 j
73 j
Based on 193 transactions of similar company sales (all years), the value of ETHIKK PATRIMOINE is estimated at 92 815 € (range 27 017€ - 241 972€). With an EBITDA of 25 045€, 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 ETHIKK PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of ETHIKK PATRIMOINE in 2024 is 238 k€.
Yes, ETHIKK PATRIMOINE generated a net profit of 19 k€ in 2024.
The headquarters of ETHIKK PATRIMOINE is located in OSSUN (65380), in the department Hautes-Pyrenees.
The tax return of ETHIKK 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).
ETHIKK 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.