SIREN : 852240746
SSB PATRIMOINE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MORZINE (74110), this company of category PME shows in 2019 a revenue of 10 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 | 2019 |
|---|---|
| Revenue | 10 254 € |
| Net income | -2 495 € |
| EBITDA | -2 360 € |
| Net margin | -24.3% |
In 2019, SSB PATRIMOINE achieves revenue of 10 k€. After deducting consumption (0 €), gross margin stands at 10 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 -2 k€, representing -23.0% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -2 k€ (-24.3% of revenue), which will impact equity.
10 254 €
10 254 €
-2 360 €
-2 359 €
-2 495 €
-23.0%
The debt ratio (= Financial debt / Equity x 100) stands at 817%. 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 74%. This high autonomy means the company finances most of its assets through equity, a sign of strength.
817.404%
74.472%
-24.322%
-11.447
In 2019, the debt ratio of SSB PATRIMOINE (817.40) 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.
In 2019, the financial autonomy of SSB PATRIMOINE (74.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2019, the repayment capacity of SSB PATRIMOINE (-11.45) 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 593.02. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
593.021
-5.72
In 2019, the liquidity ratio of SSB PATRIMOINE (593.02) 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 2019, the interest coverage of SSB PATRIMOINE (-5.7x) 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: 300 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 197 days. The gap of 103 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 300 days of revenue, i.e. 9 k€ to permanently finance.
8 535 €
300 j
197 j
0 j
300 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 5 079€ to 18 869€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 SSB PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SSB PATRIMOINE in 2019 is 10 k€.
SSB PATRIMOINE recorded a net loss in 2019.
The headquarters of SSB PATRIMOINE is located in MORZINE (74110), in the department Haute-Savoie.
The tax return of SSB 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).
SSB 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.