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PIERRE FINANCE ET PATRIMOINE : revenue, balance sheet and financial ratios

PIERRE FINANCE ET PATRIMOINE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CLERMONT-FERRAND (63000), this company of category PME shows in 2025 a net income positive of 291 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - PIERRE FINANCE ET PATRIMOINE (SIREN 809963085)
Indicator 2025
Revenue N/C
Net income 291 289 €
EBITDA N/C
Net margin N/C

Revenue and income statement

In 2025, PIERRE FINANCE ET PATRIMOINE generates positive net income of 291 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

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

291 289 €

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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 28%. 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 72%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

27.661%

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

71.71%

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

44.2%

Solvency indicators evolution
PIERRE FINANCE ET PATRIMOINE

Sector positioning

Debt ratio
27.66 2025
2025
Q1: 0.0
Med: 5.27
Q3: 45.01
Average

In 2025, the debt ratio of PIERRE FINANCE ET PATRIMOINE (27.66) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
71.71% 2025
2025
Q1: 14.56%
Med: 50.89%
Q3: 78.66%
Good

In 2025, the financial autonomy of PIERRE FINANCE ET PATRIMOINE (71.7%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 765.12. 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

765.116

Liquidity indicators evolution
PIERRE FINANCE ET PATRIMOINE

Sector positioning

Liquidity ratio
765.12 2025
2025
Q1: 157.83
Med: 327.31
Q3: 847.28
Good

In 2025, the liquidity ratio of PIERRE FINANCE ET PATRIMOINE (765.12) 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.

Positioning of PIERRE FINANCE ET PATRIMOINE 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 PIERRE FINANCE ET PATRIMOINE is estimated at 586 268 € (range 277 316€ - 2 676 841€). 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
277k€ 586k€ 2676k€
586 268 € Range: 277 316€ - 2 676 841€
NAF 5 all-time

Valuation method used

Net Income Multiple
291 289 € × 2.0x = 586 268 €
Range: 277 316€ - 2 676 842€

Only this financial indicator is available for this company.

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 PIERRE FINANCE ET PATRIMOINE with other companies in the same sector:

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

Frequently asked questions about PIERRE FINANCE ET PATRIMOINE

What is the revenue of PIERRE FINANCE ET PATRIMOINE ?

The revenue of PIERRE FINANCE ET PATRIMOINE is not publicly disclosed (confidential accounts filed with INPI).

Is PIERRE FINANCE ET PATRIMOINE profitable?

Yes, PIERRE FINANCE ET PATRIMOINE generated a net profit of 291 k€ in 2025.

Where is the headquarters of PIERRE FINANCE ET PATRIMOINE ?

The headquarters of PIERRE FINANCE ET PATRIMOINE is located in CLERMONT-FERRAND (63000), in the department Puy-de-Dome.

Where to find the tax return of PIERRE FINANCE ET PATRIMOINE ?

The tax return of PIERRE FINANCE ET 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).

In which sector does PIERRE FINANCE ET PATRIMOINE operate?

PIERRE FINANCE ET 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.