BUSINESS CARD ASSOCIATES : revenue, balance sheet and financial ratios

BUSINESS CARD ASSOCIATES is a French company founded 20 years ago, specialized in the sector Conseil en systèmes et logiciels informatiques. Based in BOIS-COLOMBES (92270), this company of category PME shows in 2023 a revenue of 1.5 M€. 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 - BUSINESS CARD ASSOCIATES (SIREN 487929572)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C 1 495 980 € 1 215 439 € 1 546 649 € 1 171 925 € 962 848 € 1 334 905 € 969 053 € 763 006 €
Net income -118 965 € 7 622 € -362 € 111 755 € 7 885 € 26 040 € 88 874 € 54 506 € 44 170 €
EBITDA N/C 67 076 € 26 761 € 195 148 € 9 976 € 33 978 € 117 140 € 67 951 € 56 501 €
Net margin N/C 0.5% -0.0% 7.2% 0.7% 2.7% 6.7% 5.6% 5.8%

Revenue and income statement

In 2024, BUSINESS CARD ASSOCIATES records a net loss of 119 k€. This deficit will reduce equity on the balance sheet.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-118 965 €

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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 36%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 48%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

35.632%

Financial autonomy (2024) ?
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

48.025%

Asset age ratio (2024) ?
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

7.4%

Solvency indicators evolution
BUSINESS CARD ASSOCIATES

Sector positioning

Debt ratio
35.63 2024
2022
2023
2024
Q1: 0.0
Med: 3.93
Q3: 32.58
Average

In 2024, the debt ratio of BUSINESS CARD ASSOCIATES (35.63) 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
48.02% 2024
2022
2023
2024
Q1: 7.97%
Med: 34.38%
Q3: 62.44%
Good -6 pts over 3 years

In 2024, the financial autonomy of BUSINESS CARD ASSOCIATES (48.0%) 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.

Repayment capacity
4.5 years 2023
2022
2023
Q1: 0.0 years
Med: 0.0 years
Q3: 0.65 years
Watch

In 2023, the repayment capacity of BUSINESS CARD ASSOCIATES (4.50) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 298.96. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

298.965

Liquidity indicators evolution
BUSINESS CARD ASSOCIATES

Sector positioning

Liquidity ratio
298.96 2024
2022
2023
2024
Q1: 141.9
Med: 230.48
Q3: 460.89
Good

In 2024, the liquidity ratio of BUSINESS CARD ASSOCIATES (298.96) 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.

Interest coverage
12.12x 2023
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.1x
Excellent

In 2023, the interest coverage of BUSINESS CARD ASSOCIATES (12.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
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 (2024) ?
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 (2024) ?
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

0 j

Inventory turnover (2024) ?
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
BUSINESS CARD ASSOCIATES

Positioning of BUSINESS CARD ASSOCIATES in its sector

Comparison with sector Conseil en systèmes et logiciels informatiques

Similar companies (Conseil en systèmes et logiciels informatiques)

Compare BUSINESS CARD ASSOCIATES with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil en systèmes et logiciels informatiques

Frequently asked questions about BUSINESS CARD ASSOCIATES

What is the revenue of BUSINESS CARD ASSOCIATES ?

The revenue of BUSINESS CARD ASSOCIATES in 2023 is 1.5 M€.

Is BUSINESS CARD ASSOCIATES profitable?

BUSINESS CARD ASSOCIATES recorded a net loss in 2024.

Where is the headquarters of BUSINESS CARD ASSOCIATES ?

The headquarters of BUSINESS CARD ASSOCIATES is located in BOIS-COLOMBES (92270), in the department Hauts-de-Seine.

Where to find the tax return of BUSINESS CARD ASSOCIATES ?

The tax return of BUSINESS CARD ASSOCIATES 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 BUSINESS CARD ASSOCIATES operate?

BUSINESS CARD ASSOCIATES operates in the sector Conseil en systèmes et logiciels informatiques (NAF code 62.02A). See the 'Sector positioning' section above to compare the company with its competitors.