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CARDES EXPERTISE ET AUDIT : revenue, balance sheet and financial ratios

CARDES EXPERTISE ET AUDIT is a French company founded 9 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-NAZAIRE (44600), this company of category PME shows in 2025 a net income positive of 9 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

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

Financial history - CARDES EXPERTISE ET AUDIT (SIREN 828020537)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018
Revenue N/C N/C N/C N/C N/C N/C N/C N/C
Net income 9 415 € 9 024 € 8 883 € 9 890 € 9 758 € 9 875 € 9 355 € 5 476 €
EBITDA -1 605 € -1 672 € -1 809 € -1 652 € -1 703 € -1 545 € -2 031 € -5 840 €
Net margin N/C N/C N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2025, CARDES EXPERTISE ET AUDIT generates positive net income of 9 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2025: 5 k€ -> 9 k€.

EBITDA (2025) ?
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

-1 605 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 605 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

9 415 €

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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 32%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 76%. 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 2.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

31.929%

Financial autonomy (2025) ?
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

75.799%

Repayment capacity (2025) ?
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

2.465

Solvency indicators evolution
CARDES EXPERTISE ET AUDIT

Sector positioning

Debt ratio
31.93 2025
2023
2024
2025
Q1: 0.04
Med: 8.09
Q3: 54.01
Average -6 pts over 3 years

In 2025, the debt ratio of CARDES EXPERTISE ET AUDIT (31.93) 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
75.8% 2025
2023
2024
2025
Q1: 21.27%
Med: 67.32%
Q3: 92.99%
Good +6 pts over 3 years

In 2025, the financial autonomy of CARDES EXPERTISE ET AUDIT (75.8%) 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
2.46 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.19 years
Q3: 2.98 years
Average

In 2025, the repayment capacity of CARDES EXPERTISE ET AUDIT (2.46) 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

Interest coverage (2025) ?
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

-65.296

Liquidity indicators evolution
CARDES EXPERTISE ET AUDIT

Sector positioning

Interest coverage
-65.3x 2025
2023
2024
2025
Q1: -62.1x
Med: 0.0x
Q3: 0.0x
Average

In 2025, the interest coverage of CARDES EXPERTISE ET AUDIT (-65.3x) 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.

Positioning of CARDES EXPERTISE ET AUDIT in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 3 754€ to 115 703€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
3k€ 19k€ 115k€
19 336 € Range: 3 754€ - 115 703€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 20 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 (Activités des sociétés holding)

Compare CARDES EXPERTISE ET AUDIT with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about CARDES EXPERTISE ET AUDIT

What is the revenue of CARDES EXPERTISE ET AUDIT ?

The revenue of CARDES EXPERTISE ET AUDIT is not publicly disclosed (confidential accounts filed with INPI).

Is CARDES EXPERTISE ET AUDIT profitable?

Yes, CARDES EXPERTISE ET AUDIT generated a net profit of 9 k€ in 2025.

Where is the headquarters of CARDES EXPERTISE ET AUDIT ?

The headquarters of CARDES EXPERTISE ET AUDIT is located in SAINT-NAZAIRE (44600), in the department Loire-Atlantique.

Where to find the tax return of CARDES EXPERTISE ET AUDIT ?

The tax return of CARDES EXPERTISE ET AUDIT 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 CARDES EXPERTISE ET AUDIT operate?

CARDES EXPERTISE ET AUDIT operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.