SIREN : 501771646
R.M.A is a French company founded 18 years ago, specialized in the sector Boulangerie et boulangerie-pâtisserie. Based in MARSEILLE (13015), this company of category PME shows in 2024 a revenue of 201 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-08-08
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
Point(s) de vigilance : liquidité à court terme tendue.
In summary, R.M.A posts positive profitability over the latest financial year. Its financial structure is fragile, with debt above sector norms — a point to monitor. Point of attention: short-term liquidity is tight.
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 201 305 € | 213 499 € | 227 630 € | 228 551 € | 251 586 € | 258 062 € | 254 247 € | 224 112 € | 226 366 € | 217 120 € |
| Net income | 934 € | 292 € | 8 267 € | 1 837 € | 2 100 € | 4 659 € | 14 327 € | 27 006 € | -22 629 € | 12 874 € |
| EBITDA | 5 273 € | 7 686 € | 7 680 € | 10 012 € | 14 377 € | 10 429 € | 17 699 € | 29 362 € | 2 135 € | 14 723 € |
| Net margin | 0.5% | 0.1% | 3.6% | 0.8% | 0.8% | 1.8% | 5.6% | 12.1% | -10.0% | 5.9% |
In 2024, R.M.A achieves revenue of 201 k€. Revenue is declining over the period 2020-2024 (CAGR: -5.4%). Slight decline of -6% vs 2023. After deducting consumption (81 k€), gross margin stands at 120 k€, i.e. a rate of 60%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 5 k€, representing 2.6% of revenue. This ratio is slightly less favorable than the sector median (6.4%). Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 934 €, i.e. 0.5% of revenue. This profit can be retained or distributed to shareholders.
201 305 €
119 834 €
5 273 €
2 520 €
934 €
2.6%
The debt ratio (= Financial debt / Equity x 100) stands at 258%. This ratio is less favorable than the sector median (39.1%) and warrants attention. Financial autonomy (= Equity / Total assets x 100) reaches 47%. This ratio is more favorable than the sector median (26.5%). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.8 years of cash flow to repay all financial debt. This ratio is less favorable than the sector median (1.1 years) and warrants attention. Cash flow represents 5.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This ratio is slightly less favorable than the sector median (5.6%).
258.48%
47.05%
5.12%
6.83
44.0%
In 2024, the debt ratio of R.M.A (258.5%) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of R.M.A (47.0%) 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 2024, the repayment capacity of R.M.A (6.83) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.72. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 20.3x. Compared with its sector, this ratio places the company among the best positioned (sector median: 1.2x).
0.72
20.29
In 2024, the liquidity ratio of R.M.A (0.72) 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 2024, the interest coverage of R.M.A (20.3x) 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: 19 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 30 days. Favorable situation: supplier credit is longer than customer credit by 11 days. Inventory turnover is 10 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. WCR is negative (-43 days): operations structurally generate cash.
-24 203 €
19 j
30 j
10 j
-43 j
Based on 203 transactions of similar company sales in 2024, the value of R.M.A is estimated at 52 895 € (range 31 227€ - 76 073€). With an EBITDA of 5 273€, the sector multiple of 6.7x is applied. The price/revenue ratio is 0.55x (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 203 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 R.M.A with other companies in the same sector:
Voir toutes les statistiques du secteur Boulangerie et boulangerie-pâtisserie
Largest companies by revenue in the sector Boulangerie et boulangerie-pâtisserie:
Largest companies by revenue in the department Bouches-du-Rhone:
The revenue of R.M.A in 2024 is 201 k€.
Yes, R.M.A generated a net profit of 934€ in 2024.
The headquarters of R.M.A is located in MARSEILLE (13015), in the department Bouches-du-Rhone.
The tax return of R.M.A 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).
R.M.A operates in the sector Boulangerie et boulangerie-pâtisserie (NAF code 10.71C). See the 'Sector positioning' section above to compare the company with its competitors.