SIREN : 533839551
J3G PATRIMOINE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AUXERRE (89000), this company of category PME shows in 2020 a revenue of 394 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 | 2020 | 2017 | 2016 |
|---|---|---|---|
| Revenue | 394 241 € | 454 948 € | 370 226 € |
| Net income | 52 895 € | 49 886 € | 29 685 € |
| EBITDA | 98 473 € | 144 326 € | 71 252 € |
| Net margin | 13.4% | 11.0% | 8.0% |
In 2020, J3G PATRIMOINE achieves revenue of 394 k€. Revenue is growing positively over 3 years (CAGR: +1.6%). Significant drop of -13% vs 2017. After deducting consumption (0 €), gross margin stands at 394 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 98 k€, representing 25.0% of revenue. Warning negative scissor effect: despite revenue change (-13%), EBITDA varies by -32%, reducing margin by 6.7 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 53 k€, i.e. 13.4% of revenue. This profit can be retained or distributed to shareholders.
394 241 €
394 241 €
98 473 €
92 649 €
52 895 €
25.0%
The debt ratio (= Financial debt / Equity x 100) stands at 367%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 19%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 17.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
366.776%
19.1%
16.961%
7.592
11.2%
In 2020, the debt ratio of J3G PATRIMOINE (366.78) 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 2020, the financial autonomy of J3G PATRIMOINE (19.1%) 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 2020, the repayment capacity of J3G PATRIMOINE (7.59) 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 246.50. 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 5.9x. Operating income very largely covers interest expenses: high safety margin.
246.502
5.874
In 2020, the liquidity ratio of J3G PATRIMOINE (246.50) 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 2020, the interest coverage of J3G PATRIMOINE (5.9x) 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: 100 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 47 days. The gap of 53 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 68 days of revenue, i.e. 75 k€ to permanently finance. Notable WCR improvement over the period (-65%), freeing up cash.
74 622 €
100 j
47 j
0 j
68 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 330 420€ to 962 453€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 J3G PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of J3G PATRIMOINE in 2020 is 394 k€.
Yes, J3G PATRIMOINE generated a net profit of 53 k€ in 2020.
The headquarters of J3G PATRIMOINE is located in AUXERRE (89000), in the department Yonne.
The tax return of J3G 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).
J3G 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.