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AGENCE LE CARDINAL : revenue, balance sheet and financial ratios

AGENCE LE CARDINAL is a French company founded 26 years ago, specialized in the sector Enseignement de disciplines sportives et d'activités de loisirs. Based in LA ROMIEU (32480), this company of category PME shows in 2021 a net income negative of -20 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - AGENCE LE CARDINAL (SIREN 424137081)
Indicator 2021 2020 2019
Revenue N/C N/C N/C
Net income -20 076 € -18 936 € -21 989 €
EBITDA -19 210 € -15 083 € -16 989 €
Net margin N/C N/C N/C

Revenue and income statement

In 2021, AGENCE LE CARDINAL records a net loss of 20 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2021) ?
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

-19 210 €

EBIT (2021) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-20 076 €

Net income (2021) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-20 076 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 96%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2021) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.986%

Financial autonomy (2021) ?
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

96.372%

Repayment capacity (2021) ?
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

-0.018

Asset age ratio (2021) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

14.9%

Solvency indicators evolution
AGENCE LE CARDINAL

Sector positioning

Debt ratio
1.99 2021
2019
2020
2021
Q1: 0.0
Med: 21.25
Q3: 111.71
Good

In 2021, the debt ratio of AGENCE LE CARDINAL (1.99) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
96.37% 2021
2019
2020
2021
Q1: 2.98%
Med: 28.51%
Q3: 56.27%
Excellent

In 2021, the financial autonomy of AGENCE LE CARDINAL (96.4%) 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.

Repayment capacity
-0.02 years 2021
2019
2020
2021
Q1: 0.0 years
Med: 0.01 years
Q3: 1.75 years
Excellent

In 2021, the repayment capacity of AGENCE LE CARDINAL (-0.02) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 3777.10. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2021) ?
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

3777.097

Interest coverage (2021) ?
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
AGENCE LE CARDINAL

Sector positioning

Liquidity ratio
3777.1 2021
2019
2020
2021
Q1: 101.83
Med: 199.02
Q3: 403.64
Excellent -7 pts over 3 years

In 2021, the liquidity ratio of AGENCE LE CARDINAL (3777.10) 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 2021
2019
2020
2021
Q1: 0.0x
Med: 0.0x
Q3: 1.29x
Average

In 2021, the interest coverage of AGENCE LE CARDINAL (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: 2 days. Favorable situation: supplier credit is longer than customer credit by 2 days.

Operating WCR (2021) ?
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 (2021) ?
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 (2021) ?
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

2 j

Inventory turnover (2021) ?
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
AGENCE LE CARDINAL

Positioning of AGENCE LE CARDINAL in its sector

Comparison with sector Enseignement de disciplines sportives et d'activités de loisirs

Similar companies (Enseignement de disciplines sportives et d'activités de loisirs)

Compare AGENCE LE CARDINAL with other companies in the same sector:

Voir toutes les statistiques du secteur Enseignement de disciplines sportives et d'activités de loisirs

Frequently asked questions about AGENCE LE CARDINAL

What is the revenue of AGENCE LE CARDINAL ?

The revenue of AGENCE LE CARDINAL is not publicly disclosed (confidential accounts filed with INPI).

Is AGENCE LE CARDINAL profitable?

AGENCE LE CARDINAL recorded a net loss in 2021.

Where is the headquarters of AGENCE LE CARDINAL ?

The headquarters of AGENCE LE CARDINAL is located in LA ROMIEU (32480), in the department Gers.

Where to find the tax return of AGENCE LE CARDINAL ?

The tax return of AGENCE LE CARDINAL 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 AGENCE LE CARDINAL operate?

AGENCE LE CARDINAL operates in the sector Enseignement de disciplines sportives et d'activités de loisirs (NAF code 85.51Z). See the 'Sector positioning' section above to compare the company with its competitors.