SIREN : 921213831
LE GALL & DE LUCA is a French company founded 3 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PERROS-GUIREC (22700), this company of category PME shows in 2023 a revenue of 427 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
| Indicator | 2023 |
|---|---|
| Revenue | 426 878 € |
| Net income | 13 815 € |
| EBITDA | 11 406 € |
| Net margin | 3.2% |
In 2023, LE GALL & DE LUCA achieves revenue of 427 k€. After deducting consumption (0 €), gross margin stands at 427 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 11 k€, representing 2.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 3.2% of revenue. This profit can be retained or distributed to shareholders.
426 878 €
426 878 €
11 406 €
17 936 €
13 815 €
2.7%
The debt ratio (= Financial debt / Equity x 100) stands at 14%. 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 71%. 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 6.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 2.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
14.39%
70.621%
2.672%
6.3
98.7%
In 2023, the debt ratio of LE GALL & DE LUCA (14.39) 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 2023, the financial autonomy of LE GALL & DE LUCA (70.6%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2023, the repayment capacity of LE GALL & DE LUCA (6.30) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 123.95. 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 11.9x. Operating income very largely covers interest expenses: high safety margin.
123.949
11.95
In 2023, the liquidity ratio of LE GALL & DE LUCA (123.95) 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 2023, the interest coverage of LE GALL & DE LUCA (11.9x) 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: 15 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. Favorable situation: supplier credit is longer than customer credit by 18 days. WCR is negative (-66 days): operations structurally generate cash.
-78 076 €
15 j
33 j
0 j
-66 j
Based on 193 transactions of similar company sales (all years), the value of LE GALL & DE LUCA is estimated at 138 278 € (range 39 498€ - 294 623€). With an EBITDA of 11 406€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare LE GALL & DE LUCA with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of LE GALL & DE LUCA in 2023 is 427 k€.
Yes, LE GALL & DE LUCA generated a net profit of 14 k€ in 2023.
The headquarters of LE GALL & DE LUCA is located in PERROS-GUIREC (22700), in the department Cotes-d'Armor.
The tax return of LE GALL & DE LUCA 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).
LE GALL & DE LUCA 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.