SIREN : 433912516
UAF LIFE PATRIMOINE is a French company founded 25 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69003), this company of category GE shows in 2023 a revenue of 76.6 M€. 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 | 76 614 100 € | 59 086 373 € | 51 256 672 € | 44 247 377 € | 37 042 687 € | 33 273 965 € | 33 760 613 € | 29 150 259 € |
| Net income | 3 595 299 € | 2 132 868 € | 2 313 728 € | 2 111 052 € | 617 913 € | 1 655 673 € | 604 614 € | 440 129 € |
| EBITDA | 6 119 027 € | 3 939 983 € | 4 008 690 € | 3 717 364 € | 2 405 451 € | 1 475 339 € | 2 118 622 € | 446 881 € |
| Net margin | 4.7% | 3.6% | 4.5% | 4.8% | 1.7% | 5.0% | 1.8% | 1.5% |
In 2023, UAF LIFE PATRIMOINE achieves revenue of 76.6 M€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +14.8%. Vs 2022, growth of +30% (59.1 M€ -> 76.6 M€). After deducting consumption (0 €), gross margin stands at 76.6 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 6.1 M€, representing 8.0% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 3.6 M€, i.e. 4.7% of revenue. This profit can be retained or distributed to shareholders.
76 614 100 €
76 614 100 €
6 119 027 €
5 721 787 €
3 595 299 €
8.0%
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 18%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 5.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
0.0%
18.003%
5.851%
0.0
39.1%
In 2023, the debt ratio of UAF LIFE PATRIMOINE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2023, the financial autonomy of UAF LIFE PATRIMOINE (18.0%) 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 UAF LIFE PATRIMOINE (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 103.65. 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 0.0x. Danger: operating income does not cover interest charges, unsustainable situation.
103.651
0.002
In 2023, the liquidity ratio of UAF LIFE PATRIMOINE (103.65) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2023, the interest coverage of UAF LIFE PATRIMOINE (0.0x) 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: 89 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 81 days. The company must finance 8 days of gap between collections and payments. Overall, WCR represents 53 days of revenue, i.e. 11.2 M€ to permanently finance. Over 2016-2023, WCR increased by +695%, requiring additional financing.
11 194 086 €
89 j
81 j
0 j
53 j
Based on 193 transactions of similar company sales (all years), the value of UAF LIFE PATRIMOINE is estimated at 27 731 596 € (range 7 938 189€ - 67 509 793€). With an EBITDA of 6 119 027€, 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 UAF LIFE PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of UAF LIFE PATRIMOINE in 2023 is 76.6 M€.
Yes, UAF LIFE PATRIMOINE generated a net profit of 3.6 M€ in 2023.
The headquarters of UAF LIFE PATRIMOINE is located in LYON (69003), in the department Rhone.
The tax return of UAF LIFE 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).
UAF LIFE 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.