D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) : revenue, balance sheet and financial ratios

D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINTE-MARIE (97438), this company of category PME shows in 2019 a revenue of 501 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) (SIREN 808819734)
Indicator 2024 2023 2019 2017 2016
Revenue N/C N/C 500 540 € 590 507 € 377 787 €
Net income 0 € 0 € -138 097 € 58 164 € 85 215 €
EBITDA N/C N/C -106 163 € 103 097 € 111 262 €
Net margin N/C N/C -27.6% 9.8% 22.6%

Revenue and income statement

In 2024, D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 70%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 12%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

69.664%

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

11.761%

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

23.2%

Solvency indicators evolution
D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS)

Sector positioning

Debt ratio
69.66 2024
2019
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Average +50 pts over 3 years

In 2024, the debt ratio of D.G.A.C. (DAVID GILLES AS... (69.66) 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
11.76% 2024
2019
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average -47 pts over 3 years

In 2024, the financial autonomy of D.G.A.C. (DAVID GILLES AS... (11.8%) 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
-1.09 years 2019
2019
Q1: 0.0 years
Med: 0.06 years
Q3: 2.25 years
Excellent

In 2019, the repayment capacity of D.G.A.C. (DAVID GILLES AS... (-1.09) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 135.94. 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

135.94

Liquidity indicators evolution
D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS)

Sector positioning

Liquidity ratio
135.94 2024
2019
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Average +7 pts over 3 years

In 2024, the liquidity ratio of D.G.A.C. (DAVID GILLES AS... (135.94) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.

Interest coverage
-4.21x 2019
2019
Q1: 0.0x
Med: 0.0x
Q3: 2.32x
Average

In 2019, the interest coverage of D.G.A.C. (DAVID GILLES AS... (-4.2x) 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.

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

0 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

0 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
D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS)

Positioning of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) in its sector

Comparison with sector Activités des agents et courtiers d'assurances

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

Compare D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) with other companies in the same sector:

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

Frequently asked questions about D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS)

What is the revenue of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) ?

The revenue of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) in 2019 is 501 k€.

Is D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) profitable?

D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) recorded a net loss in 2019.

Where is the headquarters of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) ?

The headquarters of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) is located in SAINTE-MARIE (97438), in the department La Reunion.

Where to find the tax return of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) ?

The tax return of D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) 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 D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) operate?

D.G.A.C. (DAVID GILLES ASSURANCES CONSTRUCTIONS) 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.