SIREN : 829244318
QUARTERON PATRIMOINE is a French company founded 8 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TERNAY (69360), this company of category PME shows in 2023 a revenue of 132 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|
| Revenue | 132 472 € | 111 452 € | 145 047 € | 112 388 € | 118 925 € | 92 072 € | 65 033 € |
| Net income | 26 566 € | 1 301 € | 21 739 € | 11 620 € | 6 564 € | 20 075 € | 17 904 € |
| EBITDA | 36 471 € | 7 128 € | 28 100 € | 17 354 € | 11 706 € | 26 527 € | 21 063 € |
| Net margin | 20.1% | 1.2% | 15.0% | 10.3% | 5.5% | 21.8% | 27.5% |
In 2023, QUARTERON PATRIMOINE achieves revenue of 132 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +12.6%. Vs 2022, growth of +19% (111 k€ -> 132 k€). After deducting consumption (0 €), gross margin stands at 132 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 36 k€, representing 27.5% of revenue. Positive scissor effect: EBITDA margin improves by +21.1 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 27 k€, i.e. 20.1% of revenue. This profit can be retained or distributed to shareholders.
132 472 €
132 472 €
36 471 €
32 857 €
26 566 €
27.5%
The debt ratio (= Financial debt / Equity x 100) stands at 69%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 22.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
68.731%
36.103%
22.783%
2.431
27.9%
In 2023, the debt ratio of QUARTERON PATRIMOINE (68.73) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of QUARTERON PATRIMOINE (36.1%) 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 QUARTERON PATRIMOINE (2.43) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 611.25. 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 3.5x. Financial charges are adequately covered by operations.
611.247
3.512
In 2023, the liquidity ratio of QUARTERON PATRIMOINE (611.25) 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 QUARTERON PATRIMOINE (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. The company must finance 3 days of gap between collections and payments. Overall, WCR represents 267 days of revenue, i.e. 98 k€ to permanently finance. Over 2017-2023, WCR increased by +528%, requiring additional financing.
98 330 €
15 j
12 j
0 j
267 j
Based on 193 transactions of similar company sales (all years), the value of QUARTERON PATRIMOINE is estimated at 71 813 € (range 21 648€ - 234 126€). With an EBITDA of 36 471€, 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 QUARTERON PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of QUARTERON PATRIMOINE in 2023 is 132 k€.
Yes, QUARTERON PATRIMOINE generated a net profit of 27 k€ in 2023.
The headquarters of QUARTERON PATRIMOINE is located in TERNAY (69360), in the department Rhone.
The tax return of QUARTERON 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).
QUARTERON 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.