RUDDY INVEST CONSEIL : revenue, balance sheet and financial ratios

RUDDY INVEST CONSEIL is a French company founded 11 years ago, specialized in the sector Agences immobilières. Based in NICE (06100), this company of category PME shows in 2019 a revenue of 32 k€. 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

Financial history - RUDDY INVEST CONSEIL (SIREN 808192702)
Indicator 2022 2021 2020 2019 2018 2017 2016 2015
Revenue N/C N/C N/C 32 083 € 9 625 € 15 597 € 37 562 € N/C
Net income 398 € 6 501 € -5 565 € 19 472 € -272 € 6 080 € 23 746 € -675 €
EBITDA -851 € -4 292 € -6 799 € 22 277 € -739 € 6 632 € 27 634 € -675 €
Net margin N/C N/C N/C 60.7% -2.8% 39.0% 63.2% N/C

Revenue and income statement

In 2022, RUDDY INVEST CONSEIL generates positive net income of 398 €. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

EBITDA (2022) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-851 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-851 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

398 €

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 95%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 119.1 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

95.205%

Financial autonomy (2022) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

50.158%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

119.09

Solvency indicators evolution
RUDDY INVEST CONSEIL

Sector positioning

Debt ratio
95.2 2022
2020
2021
2022
Q1: 0.02
Med: 16.09
Q3: 77.93
Average +36 pts over 3 years

In 2022, the debt ratio of RUDDY INVEST CONSEIL (95.20) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
50.16% 2022
2020
2021
2022
Q1: 7.59%
Med: 32.81%
Q3: 61.8%
Good -10 pts over 3 years

In 2022, the financial autonomy of RUDDY INVEST CONSEIL (50.2%) 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.

Repayment capacity
119.09 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.01 years
Q3: 1.65 years
Average +50 pts over 3 years

In 2022, the repayment capacity of RUDDY INVEST CONSEIL (119.09) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1541.71. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

1541.707

Interest coverage (2022) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

0.0

Liquidity indicators evolution
RUDDY INVEST CONSEIL

Sector positioning

Liquidity ratio
1541.71 2022
2020
2021
2022
Q1: 112.52
Med: 195.07
Q3: 419.05
Excellent +50 pts over 3 years

In 2022, the liquidity ratio of RUDDY INVEST CONSEIL (1541.71) 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.

Interest coverage
0.0x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 1.34x
Average

In 2022, the interest coverage of RUDDY INVEST CONSEIL (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) and payment terms

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: 706 days. Excellent situation: suppliers finance 706 days of the operating cycle (retail model).

Operating WCR (2022) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2022) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2022) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

706 j

Inventory turnover (2022) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
RUDDY INVEST CONSEIL

Positioning of RUDDY INVEST CONSEIL in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 98 transactions of similar company sales in 2022, the value of RUDDY INVEST CONSEIL is estimated at 815 € (range 415€ - 1 967€). 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.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2022
98 tx
0k€ 0k€ 1k€
815 € Range: 415€ - 1 967€
NAF 5 année 2022

Valuation method used

Net Income Multiple
398 € × 2.0x = 815 €
Range: 415€ - 1 968€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 98 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Agences immobilières)

Compare RUDDY INVEST CONSEIL with other companies in the same sector:

Frequently asked questions about RUDDY INVEST CONSEIL

What is the revenue of RUDDY INVEST CONSEIL ?

The revenue of RUDDY INVEST CONSEIL in 2019 is 32 k€.

Is RUDDY INVEST CONSEIL profitable?

Yes, RUDDY INVEST CONSEIL generated a net profit of 398€ in 2022.

Where is the headquarters of RUDDY INVEST CONSEIL ?

The headquarters of RUDDY INVEST CONSEIL is located in NICE (06100), in the department Alpes-Maritimes.

Where to find the tax return of RUDDY INVEST CONSEIL ?

The tax return of RUDDY INVEST CONSEIL 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).

In which sector does RUDDY INVEST CONSEIL operate?

RUDDY INVEST CONSEIL operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.