SIREN : 791703465
RICARD CONSEILS SAS is a French company founded 13 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 1.9 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 |
|---|---|
| Revenue | 1 911 004 € |
| Net income | 218 169 € |
| EBITDA | 279 587 € |
| Net margin | 11.4% |
In 2023, RICARD CONSEILS SAS achieves revenue of 1.9 M€. After deducting consumption (0 €), gross margin stands at 1.9 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 280 k€, representing 14.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 218 k€, i.e. 11.4% of revenue. This profit can be retained or distributed to shareholders.
1 911 004 €
1 911 004 €
279 587 €
257 793 €
218 169 €
14.6%
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 52%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 11.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
51.735%
11.133%
0.0
33.5%
In 2023, the debt ratio of RICARD CONSEILS SAS (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2023, the financial autonomy of RICARD CONSEILS SAS (51.7%) 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 RICARD CONSEILS SAS (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 182.63. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
182.63
0.0
In 2023, the liquidity ratio of RICARD CONSEILS SAS (182.63) 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 RICARD CONSEILS SAS (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: 23 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 56 days. Excellent situation: suppliers finance 33 days of the operating cycle (retail model). Overall, WCR represents 3 days of revenue, i.e. 15 k€ to permanently finance.
15 116 €
23 j
56 j
0 j
3 j
Based on 193 transactions of similar company sales (all years), the value of RICARD CONSEILS SAS is estimated at 820 289 € (range 242 319€ - 2 312 341€). With an EBITDA of 279 587€, 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 RICARD CONSEILS SAS with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of RICARD CONSEILS SAS in 2023 is 1.9 M€.
Yes, RICARD CONSEILS SAS generated a net profit of 218 k€ in 2023.
The headquarters of RICARD CONSEILS SAS is located in PARIS (75008), in the department Paris.
The tax return of RICARD CONSEILS SAS 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).
RICARD CONSEILS SAS 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.