SIREN : 878145408
UTMOST PATRIMOINE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2024 a revenue of 3.8 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 3 847 383 € | 3 145 327 € | 2 677 667 € | 2 377 842 € | 2 105 721 € |
| Net income | 181 147 € | 141 117 € | 136 687 € | 118 254 € | 70 600 € |
| EBITDA | 247 294 € | 181 766 € | 182 425 € | 156 219 € | 93 398 € |
| Net margin | 4.7% | 4.5% | 5.1% | 5.0% | 3.4% |
In 2024, UTMOST PATRIMOINE achieves revenue of 3.8 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +16.3%. Vs 2023, growth of +22% (3.1 M€ -> 3.8 M€). After deducting consumption (0 €), gross margin stands at 3.8 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 247 k€, representing 6.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 181 k€, i.e. 4.7% of revenue. This profit can be retained or distributed to shareholders.
3 847 383 €
3 847 383 €
247 294 €
233 684 €
181 147 €
6.4%
The debt ratio (= Financial debt / Equity x 100) stands at 30%. 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 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
29.56%
21.013%
5.062%
0.604
68.2%
In 2024, the debt ratio of UTMOST PATRIMOINE (29.56) 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 2024, the financial autonomy of UTMOST PATRIMOINE (21.0%) 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 2024, the repayment capacity of UTMOST PATRIMOINE (0.60) 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 118.69. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
118.693
0.0
In 2024, the liquidity ratio of UTMOST PATRIMOINE (118.69) 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 2024, the interest coverage of UTMOST PATRIMOINE (0.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 23 days. Favorable situation: supplier credit is longer than customer credit by 23 days. Overall, WCR represents 6 days of revenue, i.e. 62 k€ to permanently finance. Over 2020-2024, WCR increased by +111%, requiring additional financing.
61 866 €
0 j
23 j
0 j
6 j
Based on 193 transactions of similar company sales (all years), the value of UTMOST PATRIMOINE is estimated at 1 356 544 € (range 389 372€ - 3 205 934€). With an EBITDA of 247 294€, 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 UTMOST PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of UTMOST PATRIMOINE in 2024 is 3.8 M€.
Yes, UTMOST PATRIMOINE generated a net profit of 181 k€ in 2024.
The headquarters of UTMOST PATRIMOINE is located in PARIS (75008), in the department Paris.
The tax return of UTMOST 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).
UTMOST 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.