VOTRE PATRIMOINE ET VOUS : revenue, balance sheet and financial ratios

VOTRE PATRIMOINE ET VOUS is a French company founded 10 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TILQUES (62500), this company of category PME shows in 2020 a revenue of 265 k€. 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

Financial history - VOTRE PATRIMOINE ET VOUS (SIREN 813577400)
Indicator 2020 2019 2018 2017 2016
Revenue 265 044 € 239 077 € 219 697 € 218 426 € 204 438 €
Net income 13 185 € 10 463 € 10 650 € 3 283 € 10 680 €
EBITDA 17 234 € 14 348 € 15 795 € 5 574 € 15 872 €
Net margin 5.0% 4.4% 4.8% 1.5% 5.2%

Revenue and income statement

In 2020, VOTRE PATRIMOINE ET VOUS achieves revenue of 265 k€. Over the period 2016-2020, the company shows strong growth with a CAGR (compound annual growth rate) of +6.7%. Vs 2019, growth of +11% (239 k€ -> 265 k€). After deducting consumption (0 €), gross margin stands at 265 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 17 k€, representing 6.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 13 k€, i.e. 5.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2020) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

265 044 €

Gross margin (2020) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

265 044 €

EBITDA (2020) ?
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

17 234 €

EBIT (2020) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

16 585 €

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

13 185 €

EBITDA margin (2020) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

6.5%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 31%. Debt remains under control: the company retains capacity to raise new debt if needed. 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 2.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 5.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

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

31.037%

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

21.12%

Cash flow / Revenue (2020) ?
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

5.219%

Repayment capacity (2020) ?
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

2.082

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

5.1%

Solvency indicators evolution
VOTRE PATRIMOINE ET VOUS

Sector positioning

Debt ratio
31.04 2020
2018
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.13
Average -11 pts over 3 years

In 2020, the debt ratio of VOTRE PATRIMOINE ET VOUS (31.04) 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
21.12% 2020
2018
2019
2020
Q1: 17.1%
Med: 45.63%
Q3: 71.57%
Average -7 pts over 3 years

In 2020, the financial autonomy of VOTRE PATRIMOINE ET VOUS (21.1%) 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
2.08 years 2020
2018
2019
2020
Q1: 0.0 years
Med: 0.11 years
Q3: 2.33 years
Average

In 2020, the repayment capacity of VOTRE PATRIMOINE ET VOUS (2.08) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 0.31. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 6.3x. Operating income very largely covers interest expenses: high safety margin.

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

0.307

Interest coverage (2020) ?
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

6.267

Liquidity indicators evolution
VOTRE PATRIMOINE ET VOUS

Sector positioning

Liquidity ratio
0.31 2020
2018
2019
2020
Q1: 121.71
Med: 223.76
Q3: 459.81
Watch +17 pts over 3 years

In 2020, the liquidity ratio of VOTRE PATRIMOINE ET VOUS (0.31) 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.

Interest coverage
6.27x 2020
2018
2019
2020
Q1: 0.0x
Med: 0.0x
Q3: 2.02x
Excellent

In 2020, the interest coverage of VOTRE PATRIMOINE ET VOUS (6.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). WCR is negative (-30 days): operations structurally generate cash. Over 2016-2020, WCR increased by +62%, requiring additional financing.

Operating WCR (2020) ?
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

-21 869 €

Customer credit (2020) ?
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

0 j

Supplier credit (2020) ?
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

43 j

Inventory turnover (2020) ?
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 (2020) ?
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

-30 j

WCR and payment terms evolution
VOTRE PATRIMOINE ET VOUS

Positioning of VOTRE PATRIMOINE ET VOUS 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 70 250€ to 217 548€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2020
Indicative
70k€ 100k€ 217k€
100 692 € Range: 70 250€ - 217 548€
NAF 5 année 2020

Valuation evolution

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 VOTRE PATRIMOINE ET VOUS with other companies in the same sector:

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

Frequently asked questions about VOTRE PATRIMOINE ET VOUS

What is the revenue of VOTRE PATRIMOINE ET VOUS ?

The revenue of VOTRE PATRIMOINE ET VOUS in 2020 is 265 k€.

Is VOTRE PATRIMOINE ET VOUS profitable?

Yes, VOTRE PATRIMOINE ET VOUS generated a net profit of 13 k€ in 2020.

Where is the headquarters of VOTRE PATRIMOINE ET VOUS ?

The headquarters of VOTRE PATRIMOINE ET VOUS is located in TILQUES (62500), in the department Pas-de-Calais.

Where to find the tax return of VOTRE PATRIMOINE ET VOUS ?

The tax return of VOTRE PATRIMOINE ET VOUS 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 VOTRE PATRIMOINE ET VOUS operate?

VOTRE PATRIMOINE ET VOUS 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.