PATRIMOINE SERENITE GESTION : revenue, balance sheet and financial ratios

PATRIMOINE SERENITE GESTION is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ANGOULEME (16000), this company of category PME shows in 2023 a revenue of 1.9 M€. 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

Financial history - PATRIMOINE SERENITE GESTION (SIREN 810238360)
Indicator 2025 2024 2023 2022 2021 2020
Revenue N/C N/C 1 908 081 € 1 600 409 € N/C 1 557 556 €
Net income 403 546 € 339 347 € 610 399 € 319 417 € 308 790 € 663 881 €
EBITDA N/C N/C 554 938 € 477 720 € N/C 867 368 €
Net margin N/C N/C 32.0% 20.0% N/C 42.6%

Revenue and income statement

In 2025, PATRIMOINE SERENITE GESTION generates positive net income of 404 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2020-2025: 664 k€ -> 404 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

403 546 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 179%. 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 35%. The balance between equity and debt is satisfactory.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

179.159%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

34.71%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

63.6%

Solvency indicators evolution
PATRIMOINE SERENITE GESTION

Sector positioning

Debt ratio
179.16 2025
2023
2024
2025
Q1: 0.0
Med: 4.8
Q3: 43.33
Watch

In 2025, the debt ratio of PATRIMOINE SERENITE GESTION (179.16) 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.

Financial autonomy
34.71% 2025
2023
2024
2025
Q1: 13.31%
Med: 50.74%
Q3: 79.01%
Average -17 pts over 3 years

In 2025, the financial autonomy of PATRIMOINE SERENITE GESTION (34.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
3.04 years 2023
2023
Q1: 0.0 years
Med: 0.13 years
Q3: 2.02 years
Average

In 2023, the repayment capacity of PATRIMOINE SERENITE GESTION (3.04) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 548.34. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

548.335

Liquidity indicators evolution
PATRIMOINE SERENITE GESTION

Sector positioning

Liquidity ratio
548.34 2025
2023
2024
2025
Q1: 158.14
Med: 330.46
Q3: 854.85
Good -15 pts over 3 years

In 2025, the liquidity ratio of PATRIMOINE SERENITE GESTION (548.34) 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.

Interest coverage
3.5x 2023
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.99x
Excellent

In 2023, the interest coverage of PATRIMOINE SERENITE GESTION (3.5x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
PATRIMOINE SERENITE GESTION

Positioning of PATRIMOINE SERENITE GESTION in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of PATRIMOINE SERENITE GESTION is estimated at 812 204 € (range 384 188€ - 3 708 443€). 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.

Estimated enterprise value 2025
193 transactions
384k€ 812k€ 3708k€
812 204 € Range: 384 188€ - 3 708 443€
NAF 5 all-time

Valuation method used

Net Income Multiple
403 546 € × 2.0x = 812 205 €
Range: 384 188€ - 3 708 443€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

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.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare PATRIMOINE SERENITE GESTION with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about PATRIMOINE SERENITE GESTION

What is the revenue of PATRIMOINE SERENITE GESTION ?

The revenue of PATRIMOINE SERENITE GESTION in 2023 is 1.9 M€.

Is PATRIMOINE SERENITE GESTION profitable?

Yes, PATRIMOINE SERENITE GESTION generated a net profit of 404 k€ in 2025.

Where is the headquarters of PATRIMOINE SERENITE GESTION ?

The headquarters of PATRIMOINE SERENITE GESTION is located in ANGOULEME (16000), in the department Charente.

Where to find the tax return of PATRIMOINE SERENITE GESTION ?

The tax return of PATRIMOINE SERENITE GESTION 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).

In which sector does PATRIMOINE SERENITE GESTION operate?

PATRIMOINE SERENITE GESTION 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.