ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION : revenue, balance sheet and financial ratios
Revenue 20245,9 M€-9 % vs 2023
EBITDA 2024738 k€+17 % vs 2023
Net income 2024558 k€+15 % vs 2023
ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION is a French company
founded 10 years ago,
specialized in the sector Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels.
Based in BEAUCOUZE (49070),
this company of category ETI
shows in 2024 a revenue of 5,9 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
At a glance (2024) :
revenue 5,9 M€, EBITDA 738 k€ (12.6 % of revenue), net income 558 k€.
Balance sheet : equity 2,1 M€, cash 1,0 M€.
Aucun signal de fragilité majeur : rentabilité positive et structure financière équilibrée.
In summary, ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION posts positive profitability over the latest financial year. Its financial structure is solid, with debt well contained relative to its sector.
Financial history · amounts in €k
Financial history - ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION (SIREN 819127416) · amounts in thousands of euros (€k)
In 2024, ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION achieves revenue of 5.9 M€. Over the period 2020-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +11.5%. Slight decline of -9% vs 2023. After deducting consumption (4.3 M€), gross margin stands at 1.5 M€, i.e. a rate of 26%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 738 k€, representing 12.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.8 pts, sign of improved operational efficiency. Compared with its sector, this ratio places the company among the best positioned (sector median: 3.7%). Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 558 k€, i.e. 9.5% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2024)
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Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
5 850 649 €
Gross margin (2024)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
1 521 213 €
EBITDA (2024)
?
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
737 585 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
723 944 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
558 319 €
EBITDA margin (2024)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
12,6 %
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
Financial autonomy (= Equity / Total assets x 100) reaches 81%. Compared with its sector, this ratio places the company among the best positioned (sector median: 34.5%). Cash flow represents 9.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Compared with its sector, this ratio places the company among the best positioned (sector median: 3.1%).
Financial autonomy (2024)
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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
81,3 %
Cash flow / Revenue (2024)
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Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates
9,8 %
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Solvency indicators evolution ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
281,3 %
115,2 %
—
—
—
—
—
—
—
Financial autonomy
16,2 %
24,7 %
31,2 %
37,4 %
48,5 %
50,6 %
65,4 %
84,5 %
81,4 %
Repayment capacity
7,0 ans
3,2 ans
—
—
—
—
—
—
—
Cash flow / Revenue
4,4 %
3,8 %
3,2 %
3,3 %
3,7 %
6,0 %
4,7 %
7,1 %
9,8 %
Sector positioning
Financial autonomy
81,3%2024
Q1: 13,6%
Med: 34,5%
Q3: 55,3%
Excellent65,4 % → 81,3 % depuis 2022
In 2024, the financial autonomy of ADVANCED CARD TECHNOLOGY ... (81,3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 4.01. Compared with its sector, this ratio places the company among the best positioned (sector median: 2.2).
Liquidity ratio (2024)
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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
4,01
Liquidity indicators evolution ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
1,37
1,07
0,70
0,83
0,97
1,27
1,78
4,13
4,01
Sector positioning
Liquidity ratio
4,012024
Q1: 1,43
Med: 2,21
Q3: 3,71
Excellent1,8 → 4 depuis 2022
In 2024, the liquidity ratio of ADVANCED CARD TECHNOLOGY ... (4,01) 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.
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: 35 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 26 days. The company must finance 9 days of gap between collections and payments. Inventory turnover is 7 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 40 days of revenue, i.e. 657 k€ to permanently finance. Between 2021 and 2024, WCR improved by 13 days of revenue, freeing up cash.
Operating WCR (2024)
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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
656 911 €
Customer credit (2024)
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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
35 j
Supplier credit (2024)
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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
26 j
Inventory turnover (2024)
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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
7 j
WCR in days of revenue (2024)
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WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management
40 j
WCR and payment terms evolution ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
691 271 €
547 601 €
256 346 €
393 607 €
531 618 €
747 371 €
803 662 €
738 549 €
656 911 €
Inventory turnover (days)
22 j
5 j
6 j
5 j
6 j
5 j
5 j
5 j
7 j
Customer payment term (days)
77 j
48 j
47 j
44 j
50 j
49 j
42 j
40 j
35 j
Supplier payment term (days)
86 j
79 j
67 j
63 j
71 j
73 j
34 j
4 j
26 j
Positioning of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION in its sector
Comparison with sector Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels
Valuation estimate
Based on 61 transactions of similar company sales
(all years),
the value of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION is estimated at
1 890 875 €
(range 465 026€ - 3 529 308€).
With an EBITDA of 737 585€, the sector multiple of 2.5x is applied.
The price/revenue ratio is 0.33x
(conservative valuation).
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 value2024
61 tx
465k€1890k€3529k€
1 890 875 €Range: 465 026€ - 3 529 308€
Les capitaux propres comptables (2,1 M€ en 2024) dépassent cette estimation : l'entreprise détient probablement des actifs (trésorerie, immobilier, participations) que les multiples d'activité ne valorisent pas. Cette estimation est alors un plancher, pas une valeur de marché.
NAF 5 all-time
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
737 585 €×2.5x
Estimation1 843 615 €
403 387€ - 3 744 553€
Revenue Multiple30%
5 850 649 €×0.33x
Estimation1 921 915 €
560 550€ - 2 549 639€
Net Income Multiple20%
558 319 €×3.5x
Estimation1 962 470 €
475 840€ - 4 460 700€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 61 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 (Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels)
Compare ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION with other companies in the same sector:
Top companies in Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels
Largest companies by revenue in the sector Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels:
Frequently asked questions about ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION
What is the revenue of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION ?
The revenue of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION in 2024 is 5,9 M€.
Is ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION profitable?
Yes, ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION generated a net profit of 558 k€ in 2024.
Where is the headquarters of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION ?
The headquarters of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION is located in BEAUCOUZE (49070), in the department Maine-et-Loire.
Where to find the tax return of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION ?
The tax return of ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION 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 ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION operate?
ADVANCED CARD TECHNOLOGY SYSTEMS DISTRIBUTION operates in the sector Commerce de gros (commerce interentreprises) d'ordinateurs, d'équipements informatiques périphériques et de logiciels (NAF code 46.51Z). See the 'Sector positioning' section above to compare the company with its competitors.