SIREN : 532969490
FINANCIERE RICHARD is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in COUERON (44220), this company of category PME shows in 2024 a revenue of 878 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 877 673 € | 878 787 € | 939 385 € | 862 022 € | 839 032 € | 842 909 € | 816 666 € | 767 941 € | 705 972 € |
| Net income | 382 699 € | 494 350 € | 254 565 € | 401 636 € | 131 444 € | 254 431 € | 220 534 € | 193 724 € | 169 395 € |
| EBITDA | 171 081 € | 202 970 € | 155 373 € | 149 873 € | 194 946 € | 198 381 € | 183 653 € | 178 058 € | 78 935 € |
| Net margin | 43.6% | 56.3% | 27.1% | 46.6% | 15.7% | 30.2% | 27.0% | 25.2% | 24.0% |
In 2024, FINANCIERE RICHARD achieves revenue of 878 k€. Revenue is growing positively over 9 years (CAGR: +2.8%). Slight decline of -0% vs 2023. After deducting consumption (12 k€), gross margin stands at 866 k€, i.e. a rate of 99%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 171 k€, representing 19.5% of revenue. Warning negative scissor effect: despite revenue change (-0%), EBITDA varies by -16%, reducing margin by 3.6 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 383 k€, i.e. 43.6% of revenue. This profit can be retained or distributed to shareholders.
877 673 €
866 142 €
171 081 €
140 569 €
382 699 €
19.5%
The debt ratio (= Financial debt / Equity x 100) stands at 119%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 47.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
119.331%
41.225%
47.082%
3.208
69.6%
In 2024, the debt ratio of FINANCIERE RICHARD (119.33) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of FINANCIERE RICHARD (41.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of FINANCIERE RICHARD (3.21) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 190.78. 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 22.1x. Operating income very largely covers interest expenses: high safety margin.
190.777
22.08
In 2024, the liquidity ratio of FINANCIERE RICHARD (190.78) 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.
In 2024, the interest coverage of FINANCIERE RICHARD (22.1x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 99 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 90 days. The company must finance 9 days of gap between collections and payments. Overall, WCR represents 24 days of revenue, i.e. 57 k€ to permanently finance. Over 2016-2024, WCR increased by +7805%, requiring additional financing.
57 479 €
99 j
90 j
0 j
24 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE RICHARD is estimated at
680 430 €
(range 237 736€ - 1 468 788€).
With an EBITDA of 171 081€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare FINANCIERE RICHARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE RICHARD in 2024 is 878 k€.
Yes, FINANCIERE RICHARD generated a net profit of 383 k€ in 2024.
The headquarters of FINANCIERE RICHARD is located in COUERON (44220), in the department Loire-Atlantique.
The tax return of FINANCIERE RICHARD 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).
FINANCIERE RICHARD operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.