SIREN : 919855858
FD PATRIMOINE is a French company founded 3 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ALLONNES (72700), this company of category PME shows in 2024 a revenue of 107 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 | 2023 |
|---|---|---|
| Revenue | 106 929 € | 69 680 € |
| Net income | 26 368 € | 32 001 € |
| EBITDA | 31 944 € | 38 331 € |
| Net margin | 24.7% | 45.9% |
In 2024, FD PATRIMOINE achieves revenue of 107 k€. Vs 2023, growth of +53% (70 k€ -> 107 k€). After deducting consumption (0 €), gross margin stands at 107 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 32 k€, representing 29.9% of revenue. Warning negative scissor effect: despite revenue change (+53%), EBITDA varies by -17%, reducing margin by 25.1 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 26 k€, i.e. 24.7% of revenue. This profit can be retained or distributed to shareholders.
106 929 €
106 929 €
31 944 €
31 195 €
26 368 €
29.9%
The debt ratio (= Financial debt / Equity x 100) stands at 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 68%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 25.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
34.856%
67.905%
25.36%
0.789
65.7%
In 2024, the debt ratio of FD PATRIMOINE (34.86) 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 FD PATRIMOINE (67.9%) 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.
In 2024, the repayment capacity of FD PATRIMOINE (0.79) 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 220.79. 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 0.8x. Danger: operating income does not cover interest charges, unsustainable situation.
220.791
0.823
In 2024, the liquidity ratio of FD PATRIMOINE (220.79) 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 FD PATRIMOINE (0.8x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. Favorable situation: supplier credit is longer than customer credit by 5 days. Overall, WCR represents 40 days of revenue, i.e. 12 k€ to permanently finance.
11 772 €
15 j
20 j
0 j
40 j
Based on 193 transactions of similar company sales (all years), the value of FD PATRIMOINE is estimated at 61 465 € (range 18 803€ - 205 774€). With an EBITDA of 31 944€, 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 FD PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of FD PATRIMOINE in 2024 is 107 k€.
Yes, FD PATRIMOINE generated a net profit of 26 k€ in 2024.
The headquarters of FD PATRIMOINE is located in ALLONNES (72700), in the department Sarthe.
The tax return of FD 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).
FD 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.