SIREN : 809411804
RELYENS COURTAGE is a French company founded 11 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LYON (69008), this company of category ETI shows in 2024 a revenue of 2.0 M€. 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 991 137 € | 1 933 981 € | 1 684 711 € | 1 620 601 € | 1 450 975 € | 1 117 925 € | 1 080 261 € | 295 244 € |
| Net income | 604 236 € | 565 723 € | 669 755 € | 712 278 € | 676 234 € | 225 753 € | 119 065 € | -827 083 € |
| EBITDA | 815 879 € | 789 255 € | 733 413 € | 724 965 € | 688 300 € | 229 485 € | 131 488 € | -821 589 € |
| Net margin | 30.3% | 29.3% | 39.8% | 44.0% | 46.6% | 20.2% | 11.0% | -280.1% |
In 2024, RELYENS COURTAGE achieves revenue of 2.0 M€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +31.3%. Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 2.0 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 816 k€, representing 41.0% of 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 604 k€, i.e. 30.3% of revenue. This profit can be retained or distributed to shareholders.
1 991 137 €
1 991 137 €
815 879 €
809 186 €
604 236 €
41.0%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 82%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 30.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.034%
81.508%
30.873%
0.002
In 2024, the debt ratio of RELYENS COURTAGE (0.03) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of RELYENS COURTAGE (81.5%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of RELYENS COURTAGE (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 584.76. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
584.761
0.0
In 2024, the liquidity ratio of RELYENS COURTAGE (584.76) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of RELYENS COURTAGE (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 228 days. Excellent situation: suppliers finance 227 days of the operating cycle (retail model). Overall, WCR represents 570 days of revenue, i.e. 3.2 M€ to permanently finance. Over 2017-2024, WCR increased by +238%, requiring additional financing.
3 154 339 €
1 j
228 j
0 j
570 j
Based on 193 transactions of similar company sales (all years), the value of RELYENS COURTAGE is estimated at 1 323 943 € (range 406 264€ - 4 722 844€). With an EBITDA of 815 879€, 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 RELYENS COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RELYENS COURTAGE in 2024 is 2.0 M€.
Yes, RELYENS COURTAGE generated a net profit of 604 k€ in 2024.
The headquarters of RELYENS COURTAGE is located in LYON (69008), in the department Rhone.
The tax return of RELYENS COURTAGE 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).
RELYENS COURTAGE 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.