SIREN : 509768057
MASSENA PATRIMOINE is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69006), this company of category PME shows in 2024 a revenue of 403 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 402 509 € | 340 993 € | 313 384 € | 243 881 € | 233 456 € | 254 689 € | 251 643 € | 189 988 € |
| Net income | 52 561 € | 41 279 € | 23 603 € | 15 927 € | 3 447 € | 3 921 € | 3 471 € | 4 691 € |
| EBITDA | 72 965 € | 62 963 € | 48 515 € | 37 512 € | 25 333 € | 14 904 € | 17 485 € | 17 817 € |
| Net margin | 13.1% | 12.1% | 7.5% | 6.5% | 1.5% | 1.5% | 1.4% | 2.5% |
In 2024, MASSENA PATRIMOINE achieves revenue of 403 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.8%. Vs 2023, growth of +18% (341 k€ -> 403 k€). After deducting consumption (0 €), gross margin stands at 403 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 73 k€, representing 18.1% 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 53 k€, i.e. 13.1% of revenue. This profit can be retained or distributed to shareholders.
402 509 €
402 509 €
72 965 €
56 792 €
52 561 €
18.1%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. 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 2%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 14.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.679%
2.305%
14.271%
0.027
9.4%
In 2024, the debt ratio of MASSENA PATRIMOINE (2.68) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of MASSENA PATRIMOINE (2.3%) 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 MASSENA PATRIMOINE (0.03) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 1315.36. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
1315.363
0.004
In 2024, the liquidity ratio of MASSENA PATRIMOINE (1315.36) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of MASSENA PATRIMOINE (0.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 7 days. Favorable situation: supplier credit is longer than customer credit by 7 days. WCR is negative (-13 days): operations structurally generate cash. Notable WCR improvement over the period (-173%), freeing up cash.
-15 050 €
0 j
7 j
0 j
-13 j
Based on 193 transactions of similar company sales (all years), the value of MASSENA PATRIMOINE is estimated at 183 956 € (range 54 498€ - 542 680€). With an EBITDA of 72 965€, 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.
Ajustez les pondérations selon votre analyse
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 MASSENA PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of MASSENA PATRIMOINE in 2024 is 403 k€.
Yes, MASSENA PATRIMOINE generated a net profit of 53 k€ in 2024.
The headquarters of MASSENA PATRIMOINE is located in LYON (69006), in the department Rhone.
The tax return of MASSENA 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).
MASSENA 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.