SIREN : 440533248
QUARTZ PATRIMOINE is a French company founded 24 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SERRIERES (07340), this company of category PME shows in 2023 a revenue of 382 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 | 2020 | 2019 |
|---|---|---|---|
| Revenue | 381 724 € | 244 915 € | 265 466 € |
| Net income | 38 240 € | -73 485 € | 32 950 € |
| EBITDA | 63 783 € | 20 739 € | 20 171 € |
| Net margin | 10.0% | -30.0% | 12.4% |
In 2023, QUARTZ PATRIMOINE achieves revenue of 382 k€. Over the period 2019-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +9.5%. Vs 2020, growth of +56% (245 k€ -> 382 k€). After deducting consumption (0 €), gross margin stands at 382 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 64 k€, representing 16.7% of revenue. Positive scissor effect: EBITDA margin improves by +8.2 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 38 k€, i.e. 10.0% of revenue. This profit can be retained or distributed to shareholders.
381 724 €
381 724 €
63 783 €
42 595 €
38 240 €
16.5%
The debt ratio (= Financial debt / Equity x 100) stands at 92%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 15.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
92.03%
38.701%
15.467%
1.182
40.2%
In 2023, the debt ratio of QUARTZ PATRIMOINE (92.03) 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 QUARTZ PATRIMOINE (38.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of QUARTZ PATRIMOINE (1.18) 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 222.23. 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 1.6x. Coverage is limited: any activity downturn would jeopardize interest payments.
222.229
1.573
In 2023, the liquidity ratio of QUARTZ PATRIMOINE (222.23) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2023, the interest coverage of QUARTZ PATRIMOINE (1.6x) 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: 9 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 26 days. Favorable situation: supplier credit is longer than customer credit by 17 days. WCR is negative (-22 days): operations structurally generate cash. Notable WCR improvement over the period (-166%), freeing up cash.
-23 350 €
9 j
26 j
0 j
-22 j
Based on 193 transactions of similar company sales (all years), the value of QUARTZ PATRIMOINE is estimated at 166 507 € (range 48 627€ - 476 596€). With an EBITDA of 63 783€, 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 QUARTZ PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of QUARTZ PATRIMOINE in 2023 is 382 k€.
Yes, QUARTZ PATRIMOINE generated a net profit of 38 k€ in 2023.
The headquarters of QUARTZ PATRIMOINE is located in SERRIERES (07340), in the department Ardeche.
The tax return of QUARTZ 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).
QUARTZ 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.