SIREN : 809494347
FR PATRIMOINE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in BORDEAUX (33200), this company of category PME shows in 2016 a revenue of 176 k€. 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 | 2016 |
|---|---|
| Revenue | 176 016 € |
| Net income | 82 203 € |
| EBITDA | 115 095 € |
| Net margin | 46.7% |
In 2016, FR PATRIMOINE achieves revenue of 176 k€. After deducting consumption (0 €), gross margin stands at 176 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 115 k€, representing 65.4% of 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 82 k€, i.e. 46.7% of revenue. This profit can be retained or distributed to shareholders.
176 016 €
176 016 €
115 095 €
113 923 €
82 203 €
65.4%
The debt ratio (= Financial debt / Equity x 100) stands at 122%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 49%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 47.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
121.564%
49.156%
47.368%
1.478
50.2%
In 2016, the debt ratio of FR PATRIMOINE (121.56) 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 2016, the financial autonomy of FR PATRIMOINE (49.2%) 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 2016, the repayment capacity of FR PATRIMOINE (1.48) 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 251.44. 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 1.0x. Danger: operating income does not cover interest charges, unsustainable situation.
251.442
0.957
In 2016, the liquidity ratio of FR PATRIMOINE (251.44) 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.
In 2016, the interest coverage of FR PATRIMOINE (1.0x) 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: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The company must finance 18 days of gap between collections and payments. WCR is negative (-44 days): operations structurally generate cash.
-21 296 €
30 j
12 j
0 j
-44 j
Based on 193 transactions of similar company sales (all years), the value of FR PATRIMOINE is estimated at 154 636 € (range 48 113€ - 603 181€). With an EBITDA of 115 095€, 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 FR PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of FR PATRIMOINE in 2016 is 176 k€.
Yes, FR PATRIMOINE generated a net profit of 82 k€ in 2016.
The headquarters of FR PATRIMOINE is located in BORDEAUX (33200), in the department Gironde.
The tax return of FR 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).
FR 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.