SIREN : 502881394
RHETORES COURTAGE is a French company founded 18 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75008), this company of category PME shows in 2023 a revenue of 924 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 | 2023 | 2023 | 2022 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 924 040 € | 785 514 € | N/C | N/C | N/C | 765 675 € | 1 054 317 € |
| Net income | 360 640 € | 82 993 € | 610 672 € | 743 365 € | 203 934 € | 186 082 € | 216 563 € |
| EBITDA | 479 081 € | 143 767 € | N/C | N/C | N/C | -110 011 € | 117 215 € |
| Net margin | 39.0% | 10.6% | N/C | N/C | N/C | 24.3% | 20.5% |
In 2023, RHETORES COURTAGE achieves revenue of 924 k€. Activity remains stable over the period (CAGR: -1.9%). Vs 2023, growth of +18% (786 k€ -> 924 k€). After deducting consumption (0 €), gross margin stands at 924 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 479 k€, representing 51.8% of revenue. Positive scissor effect: EBITDA margin improves by +33.5 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 361 k€, i.e. 39.0% of revenue. This profit can be retained or distributed to shareholders.
924 040 €
924 040 €
479 081 €
471 043 €
360 640 €
51.8%
The debt ratio (= Financial debt / Equity x 100) stands at 33%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 55%. 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 0.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
32.696%
54.711%
38.854%
0.481
In 2023, the debt ratio of RHETORES COURTAGE (32.70) 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 RHETORES COURTAGE (54.7%) 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 RHETORES COURTAGE (0.48) 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 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
0.0
0.25
In 2023, the liquidity ratio of RHETORES COURTAGE (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2023, the interest coverage of RHETORES COURTAGE (0.2x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 28 days. Favorable situation: supplier credit is longer than customer credit by 28 days. WCR is negative (-95 days): operations structurally generate cash. Notable WCR improvement over the period (-215%), freeing up cash.
-242 634 €
0 j
28 j
0 j
-95 j
Based on 193 transactions of similar company sales (all years), the value of RHETORES COURTAGE is estimated at 707 511 € (range 219 519€ - 2 649 584€). With an EBITDA of 479 081€, 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 RHETORES COURTAGE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RHETORES COURTAGE in 2023 is 924 k€.
Yes, RHETORES COURTAGE generated a net profit of 361 k€ in 2023.
The headquarters of RHETORES COURTAGE is located in PARIS (75008), in the department Paris.
The tax return of RHETORES 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).
RHETORES 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.