SIREN : 831205067
P.A.P.A. PATRIMOINE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in NICE (06000), this company of category PME shows in 2021 a revenue of 205 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 | 2021 | 2020 | 2019 |
|---|---|---|---|
| Revenue | 205 006 € | 168 937 € | 95 389 € |
| Net income | 43 393 € | 31 829 € | -22 419 € |
| EBITDA | 58 855 € | 59 877 € | -2 382 € |
| Net margin | 21.2% | 18.8% | -23.5% |
In 2021, P.A.P.A. PATRIMOINE achieves revenue of 205 k€. Over the period 2019-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +46.6%. Vs 2020, growth of +21% (169 k€ -> 205 k€). After deducting consumption (0 €), gross margin stands at 205 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 59 k€, representing 28.7% of revenue. Warning negative scissor effect: despite revenue change (+21%), EBITDA varies by -2%, 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 43 k€, i.e. 21.2% of revenue. This profit can be retained or distributed to shareholders.
205 006 €
205 006 €
58 855 €
53 709 €
43 393 €
28.7%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 63%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 21.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
62.851%
21.531%
0.0
19.8%
In 2021, the debt ratio of P.A.P.A. PATRIMOINE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2021, the financial autonomy of P.A.P.A. PATRIMOINE (62.9%) 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 2021, the repayment capacity of P.A.P.A. PATRIMOINE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 262.80. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
262.798
0.221
In 2021, the liquidity ratio of P.A.P.A. PATRIMOINE (262.80) 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 2021, the interest coverage of P.A.P.A. PATRIMOINE (0.2x) 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: 107 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 191 days. Excellent situation: suppliers finance 84 days of the operating cycle (retail model). Overall, WCR represents 66 days of revenue, i.e. 38 k€ to permanently finance. Over 2019-2021, WCR increased by +65%, requiring additional financing.
37 727 €
107 j
191 j
0 j
66 j
Indicative estimate only : the number of comparable transactions in this sector is limited (44 transactions). This range of 38 827€ to 198 379€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 44 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 P.A.P.A. PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of P.A.P.A. PATRIMOINE in 2021 is 205 k€.
Yes, P.A.P.A. PATRIMOINE generated a net profit of 43 k€ in 2021.
The headquarters of P.A.P.A. PATRIMOINE is located in NICE (06000), in the department Alpes-Maritimes.
The tax return of P.A.P.A. 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).
P.A.P.A. 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.