VALETYS STRATEGIES PATRIMONIALES : revenue, balance sheet and financial ratios

VALETYS STRATEGIES PATRIMONIALES is a French company founded 17 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in AVIGNON (84000), this company of category ETI shows in 2024 a revenue of 2.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - VALETYS STRATEGIES PATRIMONIALES (SIREN 504641846)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue 2 376 911 € 2 078 421 € 1 609 091 € 1 586 791 € 1 101 675 € 1 067 307 € 1 001 897 € 877 427 € 790 224 €
Net income 459 209 € 472 748 € 355 923 € 391 781 € 268 398 € 242 874 € 199 109 € 165 137 € 123 970 €
EBITDA 721 578 € 691 872 € 370 442 € 559 473 € 336 410 € 312 043 € 340 694 € 273 001 € 187 572 €
Net margin 19.3% 22.7% 22.1% 24.7% 24.4% 22.8% 19.9% 18.8% 15.7%

Revenue and income statement

In 2024, VALETYS STRATEGIES PATRIMONIALES achieves revenue of 2.4 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.8%. Vs 2023, growth of +14% (2.1 M€ -> 2.4 M€). After deducting consumption (0 €), gross margin stands at 2.4 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 722 k€, representing 30.4% of revenue. Warning negative scissor effect: despite revenue change (+14%), EBITDA varies by +4%, reducing margin by 2.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 459 k€, i.e. 19.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 376 911 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

2 376 911 €

EBITDA (2024) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

721 578 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

735 724 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

459 209 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

30.4%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 146%. 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 7.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 23.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

146.177%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

39.068%

Cash flow / Revenue (2024) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

23.808%

Repayment capacity (2024) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

7.131

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

60.4%

Solvency indicators evolution
VALETYS STRATEGIES PATRIMONIALES

Sector positioning

Debt ratio
146.18 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Watch +9 pts over 3 years

In 2024, the debt ratio of VALETYS STRATEGIES PATRIM... (146.18) 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.

Financial autonomy
39.07% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Average -23 pts over 3 years

In 2024, the financial autonomy of VALETYS STRATEGIES PATRIM... (39.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
7.13 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Watch

In 2024, the repayment capacity of VALETYS STRATEGIES PATRIM... (7.13) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 487.67. 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 4.9x. Financial charges are adequately covered by operations.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

487.669

Interest coverage (2024) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

4.941

Liquidity indicators evolution
VALETYS STRATEGIES PATRIMONIALES

Sector positioning

Liquidity ratio
487.67 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Good +11 pts over 3 years

In 2024, the liquidity ratio of VALETYS STRATEGIES PATRIM... (487.67) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
4.94x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.2x
Excellent

In 2024, the interest coverage of VALETYS STRATEGIES PATRIM... (4.9x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 26 days. Favorable situation: supplier credit is longer than customer credit by 2 days. Overall, WCR represents 40 days of revenue, i.e. 264 k€ to permanently finance.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

264 384 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

24 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

26 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR in days of revenue (2024) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

40 j

WCR and payment terms evolution
VALETYS STRATEGIES PATRIMONIALES

Positioning of VALETYS STRATEGIES PATRIMONIALES in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of VALETYS STRATEGIES PATRIMONIALES is estimated at 1 322 181 € (range 395 613€ - 4 376 387€). With an EBITDA of 721 578€, 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.

Estimated enterprise value 2024
193 transactions
395k€ 1322k€ 4376k€
1 322 181 € Range: 395 613€ - 4 376 387€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
721 578 € × 1.2x
Estimation 873 581 €
225 637€ - 4 459 010€
Revenue Multiple 30%
2 376 911 € × 0.98x
Estimation 2 335 144 €
651 194€ - 4 342 964€
Net Income Multiple 20%
459 209 € × 2.0x
Estimation 924 236 €
437 181€ - 4 219 966€

Valuation evolution

How is this estimate calculated?

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.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare VALETYS STRATEGIES PATRIMONIALES with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about VALETYS STRATEGIES PATRIMONIALES

What is the revenue of VALETYS STRATEGIES PATRIMONIALES ?

The revenue of VALETYS STRATEGIES PATRIMONIALES in 2024 is 2.4 M€.

Is VALETYS STRATEGIES PATRIMONIALES profitable?

Yes, VALETYS STRATEGIES PATRIMONIALES generated a net profit of 459 k€ in 2024.

Where is the headquarters of VALETYS STRATEGIES PATRIMONIALES ?

The headquarters of VALETYS STRATEGIES PATRIMONIALES is located in AVIGNON (84000), in the department Vaucluse.

Where to find the tax return of VALETYS STRATEGIES PATRIMONIALES ?

The tax return of VALETYS STRATEGIES PATRIMONIALES 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).

In which sector does VALETYS STRATEGIES PATRIMONIALES operate?

VALETYS STRATEGIES PATRIMONIALES 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.