SIREN : 752034751
PATRIMOINE VIE is a French company founded 14 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CAZES-MONDENARD (82110), this company of category PME shows in 2023 a revenue of 336 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 336 374 € | 339 772 € | 310 415 € | 238 902 € | 176 522 € | 187 780 € | 202 923 € | 165 891 € |
| Net income | 34 475 € | 46 773 € | 59 526 € | 40 298 € | -12 979 € | 9 273 € | 34 927 € | 519 € |
| EBITDA | 35 435 € | 50 585 € | 72 124 € | 41 930 € | -21 160 € | 10 274 € | 38 276 € | 1 012 € |
| Net margin | 10.2% | 13.8% | 19.2% | 16.9% | -7.4% | 4.9% | 17.2% | 0.3% |
In 2023, PATRIMOINE VIE achieves revenue of 336 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +10.6%. Slight decline of -1% vs 2022. After deducting consumption (0 €), gross margin stands at 336 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 35 k€, representing 10.5% of revenue. Warning negative scissor effect: despite revenue change (-1%), EBITDA varies by -30%, reducing margin by 4.4 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 34 k€, i.e. 10.2% of revenue. This profit can be retained or distributed to shareholders.
336 374 €
336 374 €
35 435 €
39 117 €
34 475 €
10.5%
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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 10.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.044%
0.044%
10.478%
0.0
81.9%
In 2023, the debt ratio of PATRIMOINE VIE (0.04) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2023, the financial autonomy of PATRIMOINE VIE (0.0%) 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 2023, the repayment capacity of PATRIMOINE VIE (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 7205.82. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
7205.82
0.0
In 2023, the liquidity ratio of PATRIMOINE VIE (7205.82) 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 2023, the interest coverage of PATRIMOINE VIE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 16 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 5 days. The company must finance 11 days of gap between collections and payments. Overall, WCR represents 21 days of revenue, i.e. 20 k€ to permanently finance. Over 2016-2023, WCR increased by +73%, requiring additional financing.
19 900 €
16 j
5 j
0 j
21 j
Based on 193 transactions of similar company sales (all years), the value of PATRIMOINE VIE is estimated at 134 466 € (range 39 751€ - 357 229€). With an EBITDA of 35 435€, 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 PATRIMOINE VIE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of PATRIMOINE VIE in 2023 is 336 k€.
Yes, PATRIMOINE VIE generated a net profit of 34 k€ in 2023.
The headquarters of PATRIMOINE VIE is located in CAZES-MONDENARD (82110), in the department Tarn-et-Garonne.
The tax return of PATRIMOINE VIE 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).
PATRIMOINE VIE 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.