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VALEURS INVESTISSEMENTS PATRIMOINE : revenue, balance sheet and financial ratios

VALEURS INVESTISSEMENTS PATRIMOINE is a French company founded 35 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in FONTAINEBLEAU (77300), this company of category PME shows in 2022 a revenue of 785 k€. 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 - VALEURS INVESTISSEMENTS PATRIMOINE (SIREN 379802150)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 784 930 € N/C N/C N/C N/C N/C N/C
Net income 233 940 € 297 529 € 324 595 € 354 679 € 197 780 € 204 498 € 217 814 € 265 243 € 99 638 €
EBITDA N/C N/C 356 526 € N/C N/C N/C N/C N/C N/C
Net margin N/C N/C 41.4% N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, VALEURS INVESTISSEMENTS PATRIMOINE generates positive net income of 234 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 100 k€ -> 234 k€.

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

233 940 €

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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 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 93%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

0.085%

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

93.477%

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

21.1%

Solvency indicators evolution
VALEURS INVESTISSEMENTS PATRIMOINE

Sector positioning

Debt ratio
0.09 2024
2022
2023
2024
Q1: 0.0
Med: 7.61
Q3: 47.45
Good

In 2024, the debt ratio of VALEURS INVESTISSEMENTS P... (0.09) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
93.48% 2024
2022
2023
2024
Q1: 13.11%
Med: 47.63%
Q3: 76.27%
Excellent

In 2024, the financial autonomy of VALEURS INVESTISSEMENTS P... (93.5%) 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.

Repayment capacity
0.0 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Good

In 2022, the repayment capacity of VALEURS INVESTISSEMENTS P... (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1262.14. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

1262.143

Liquidity indicators evolution
VALEURS INVESTISSEMENTS PATRIMOINE

Sector positioning

Liquidity ratio
1262.14 2024
2022
2023
2024
Q1: 123.28
Med: 242.89
Q3: 571.56
Excellent

In 2024, the liquidity ratio of VALEURS INVESTISSEMENTS P... (1262.14) 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.

Interest coverage
0.0x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.09x
Average

In 2022, the interest coverage of VALEURS INVESTISSEMENTS P... (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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 19442 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27454 days. Excellent situation: suppliers finance 8012 days of the operating cycle (retail model).

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

0 €

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

19442 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

27454 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 and payment terms evolution
VALEURS INVESTISSEMENTS PATRIMOINE

Positioning of VALEURS INVESTISSEMENTS PATRIMOINE 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 VALEURS INVESTISSEMENTS PATRIMOINE is estimated at 470 843 € (range 222 718€ - 2 149 824€). 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
222k€ 470k€ 2149k€
470 843 € Range: 222 718€ - 2 149 824€
NAF 5 all-time

Valuation method used

Net Income Multiple
233 940 € × 2.0x = 470 844 €
Range: 222 718€ - 2 149 825€

Only this financial indicator is available for this company.

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 VALEURS INVESTISSEMENTS PATRIMOINE with other companies in the same sector:

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

Frequently asked questions about VALEURS INVESTISSEMENTS PATRIMOINE

What is the revenue of VALEURS INVESTISSEMENTS PATRIMOINE ?

The revenue of VALEURS INVESTISSEMENTS PATRIMOINE in 2022 is 785 k€.

Is VALEURS INVESTISSEMENTS PATRIMOINE profitable?

Yes, VALEURS INVESTISSEMENTS PATRIMOINE generated a net profit of 234 k€ in 2024.

Where is the headquarters of VALEURS INVESTISSEMENTS PATRIMOINE ?

The headquarters of VALEURS INVESTISSEMENTS PATRIMOINE is located in FONTAINEBLEAU (77300), in the department Seine-et-Marne.

Where to find the tax return of VALEURS INVESTISSEMENTS PATRIMOINE ?

The tax return of VALEURS INVESTISSEMENTS 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).

In which sector does VALEURS INVESTISSEMENTS PATRIMOINE operate?

VALEURS INVESTISSEMENTS 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.