Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

RC CREDITS : revenue, balance sheet and financial ratios

RC CREDITS is a French company founded 10 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in BRIVE-LA-GAILLARDE (19100), this company of category PME shows in 2017 a net income positive of 30 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 - RC CREDITS (SIREN 814253431)
Indicator 2017 2016
Revenue N/C N/C
Net income 30 224 € 2 302 €
EBITDA N/C N/C
Net margin N/C N/C

Revenue and income statement

In 2017, RC CREDITS generates positive net income of 30 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2017: 2 k€ -> 30 k€.

Net income (2017) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

30 224 €

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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 372%. 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 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2017) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

372.391%

Financial autonomy (2017) ?
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

17.183%

Asset age ratio (2017) ?
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

75.8%

Solvency indicators evolution
RC CREDITS

Sector positioning

Debt ratio
372.39 2017
2016
2017
Q1: 0.0
Med: 8.12
Q3: 58.33
Average

In 2017, the debt ratio of RC CREDITS (372.39) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
17.18% 2017
2016
2017
Q1: 6.17%
Med: 39.62%
Q3: 71.47%
Average +8 pts over 2 years

In 2017, the financial autonomy of RC CREDITS (17.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 284.60. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2017) ?
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

284.603

Liquidity indicators evolution
RC CREDITS

Sector positioning

Liquidity ratio
284.6 2017
2016
2017
Q1: 135.01
Med: 265.53
Q3: 651.23
Good

In 2017, the liquidity ratio of RC CREDITS (284.60) 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 RC CREDITS in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of RC CREDITS is estimated at 101 138 € (range 37 049€ - 260 002€). 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.

Estimated enterprise value 2017
103 transactions
37k€ 101k€ 260k€
101 138 € Range: 37 049€ - 260 002€
NAF 5 all-time

Valuation method used

Net Income Multiple
30 224 € × 3.3x = 101 138 €
Range: 37 049€ - 260 003€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 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 (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare RC CREDITS with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about RC CREDITS

What is the revenue of RC CREDITS ?

The revenue of RC CREDITS is not publicly disclosed (confidential accounts filed with INPI).

Is RC CREDITS profitable?

Yes, RC CREDITS generated a net profit of 30 k€ in 2017.

Where is the headquarters of RC CREDITS ?

The headquarters of RC CREDITS is located in BRIVE-LA-GAILLARDE (19100), in the department Correze.

Where to find the tax return of RC CREDITS ?

The tax return of RC CREDITS 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 RC CREDITS operate?

RC CREDITS operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.