SIREN : 393649603
RICHARD ET CIE is a French company founded 32 years ago, specialized in the sector Gestion de fonds. Based in SAINT-ETIENNE (42000), this company of category PME shows in 2025 a revenue of 557 k€. 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 556 924 € | 547 487 € | 554 896 € | 499 882 € | 503 255 € | 466 733 € | 422 059 € | 389 290 € | 534 210 € | 3 323 807 € |
| Net income | 105 840 € | 70 259 € | 51 682 € | 38 005 € | 23 679 € | 38 068 € | 42 714 € | 48 041 € | 30 823 € | 40 459 € |
| EBITDA | 149 458 € | 141 703 € | 102 033 € | 100 650 € | 54 320 € | 61 079 € | 55 298 € | 25 644 € | 124 131 € | 42 767 € |
| Net margin | 19.0% | 12.8% | 9.3% | 7.6% | 4.7% | 8.2% | 10.1% | 12.3% | 5.8% | 1.2% |
In 2025, RICHARD ET CIE achieves revenue of 557 k€. Revenue is declining over the period 2016-2025 (CAGR: -18.0%). Vs 2024: +2%. After deducting consumption (0 €), gross margin stands at 557 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 149 k€, representing 26.8% 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 106 k€, i.e. 19.0% of revenue. This profit can be retained or distributed to shareholders.
556 924 €
556 924 €
149 458 €
144 295 €
105 840 €
26.8%
The debt ratio (= Financial debt / Equity x 100) stands at 71%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 56%. 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 13.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 22.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
71.008%
55.741%
22.803%
13.869
26.6%
In 2025, the debt ratio of RICHARD ET CIE (71.01) 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 2025, the financial autonomy of RICHARD ET CIE (55.7%) 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 2025, the repayment capacity of RICHARD ET CIE (13.87) 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 1449.10. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 53.1x. Operating income very largely covers interest expenses: high safety margin.
1449.101
53.114
In 2025, the liquidity ratio of RICHARD ET CIE (1449.10) 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.
In 2025, the interest coverage of RICHARD ET CIE (53.1x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 255 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 162 days. The gap of 93 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 886 days of revenue, i.e. 1.4 M€ to permanently finance. Over 2016-2025, WCR increased by +28%, requiring additional financing.
1 370 473 €
255 j
162 j
0 j
886 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 72 557€ to 653 025€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 RICHARD ET CIE with other companies in the same sector:
The revenue of RICHARD ET CIE in 2025 is 557 k€.
Yes, RICHARD ET CIE generated a net profit of 106 k€ in 2025.
The headquarters of RICHARD ET CIE is located in SAINT-ETIENNE (42000), in the department Loire.
The tax return of RICHARD ET CIE 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).
RICHARD ET CIE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.