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VALMI PATRIMOINE : revenue, balance sheet and financial ratios

VALMI PATRIMOINE is a French company founded 6 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LAMANON (13113), this company of category PME shows in 2020 a net income positive of 5 k€. 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

Financial history - VALMI PATRIMOINE (SIREN 852426634)
Indicator 2020
Revenue N/C
Net income 4 860 €
EBITDA N/C
Net margin N/C

Revenue and income statement

In 2020, VALMI PATRIMOINE generates positive net income of 5 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

Net income (2020) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 860 €

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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 585%. 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 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

584.915%

Financial autonomy (2020) ?
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

14.113%

Asset age ratio (2020) ?
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

91.0%

Solvency indicators evolution
VALMI PATRIMOINE

Sector positioning

Debt ratio
584.91 2020
2020
Q1: 0.05
Med: 14.85
Q3: 75.1
Average

In 2020, the debt ratio of VALMI PATRIMOINE (584.91) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
14.11% 2020
2020
Q1: 17.11%
Med: 45.63%
Q3: 71.56%
Average

In 2020, the financial autonomy of VALMI PATRIMOINE (14.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 287.95. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
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

287.951

Liquidity indicators evolution
VALMI PATRIMOINE

Sector positioning

Liquidity ratio
287.95 2020
2020
Q1: 121.74
Med: 223.76
Q3: 459.53
Good

In 2020, the liquidity ratio of VALMI PATRIMOINE (287.95) 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.

Positioning of VALMI PATRIMOINE in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 14 146€ to 102 612€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
14k€ 43k€ 102k€
43 001 € Range: 14 146€ - 102 612€
NAF 5 année 2020
How is this estimate calculated?

This estimate is based on the analysis of 20 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 VALMI 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 VALMI PATRIMOINE

What is the revenue of VALMI PATRIMOINE ?

The revenue of VALMI PATRIMOINE is not publicly disclosed (confidential accounts filed with INPI).

Is VALMI PATRIMOINE profitable?

Yes, VALMI PATRIMOINE generated a net profit of 5 k€ in 2020.

Where is the headquarters of VALMI PATRIMOINE ?

The headquarters of VALMI PATRIMOINE is located in LAMANON (13113), in the department Bouches-du-Rhone.

Where to find the tax return of VALMI PATRIMOINE ?

The tax return of VALMI 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 VALMI PATRIMOINE operate?

VALMI 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.