SIREN : 521019885
RGCA is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LESTREM (62136), this company of category GE shows in 2024 a revenue of 91 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 | 2021 | 2020 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 90 985 € | 98 434 € | 118 985 € | 142 432 € | 148 324 € | 318 751 € | N/C |
| Net income | 68 889 € | 71 159 € | 60 976 € | 77 182 € | 77 912 € | 135 144 € | 136 502 € |
| EBITDA | 48 559 € | 59 948 € | 82 026 € | 106 082 € | 112 217 € | 203 081 € | N/C |
| Net margin | 75.7% | 72.3% | 51.2% | 54.2% | 52.5% | 42.4% | N/C |
In 2024, RGCA achieves revenue of 91 k€. Revenue is declining over the period 2017-2024 (CAGR: -16.4%). Slight decline of -8% vs 2023. After deducting consumption (0 €), gross margin stands at 91 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 49 k€, representing 53.4% of revenue. Warning negative scissor effect: despite revenue change (-8%), EBITDA varies by -19%, reducing margin by 7.5 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 69 k€, i.e. 75.7% of revenue. This profit can be retained or distributed to shareholders.
90 985 €
90 985 €
48 559 €
48 559 €
68 889 €
53.4%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 1%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 75.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.552%
0.534%
75.715%
0.0
In 2024, the debt ratio of RGCA (0.55) 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 RGCA (0.5%) 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 RGCA (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 2962.09. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2962.089
0.0
In 2024, the liquidity ratio of RGCA (2962.09) 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 RGCA (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: 158 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 309 days. Excellent situation: suppliers finance 151 days of the operating cycle (retail model). Overall, WCR represents 5716 days of revenue, i.e. 1.4 M€ to permanently finance.
1 444 566 €
158 j
309 j
0 j
5716 j
Based on 193 transactions of similar company sales (all years), the value of RGCA is estimated at 83 940 € (range 28 187€ - 326 521€). With an EBITDA of 48 559€, 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 RGCA with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RGCA in 2024 is 91 k€.
Yes, RGCA generated a net profit of 69 k€ in 2024.
The headquarters of RGCA is located in LESTREM (62136), in the department Pas-de-Calais.
The tax return of RGCA 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).
RGCA 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.