CARDIF ASSISTANCE SASU : revenue, balance sheet and financial ratios

CARDIF ASSISTANCE SASU is a French company founded 23 years ago, specialized in the sector Location et location-bail d'autres biens personnels et domestiques. Based in FONTENAY-AUX-ROSES (92260), this company of category PME shows in 2023 a revenue of 3.4 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 - CARDIF ASSISTANCE SASU (SIREN 447737503)
Indicator 2023 2022 2020 2018 2017 2016
Revenue 3 408 208 € 3 582 648 € 6 856 870 € N/C N/C N/C
Net income -173 700 € -667 650 € 52 930 € 52 930 € 470 594 € 10 788 071 €
EBITDA 86 860 € 148 436 € 1 173 534 € -2 302 011 € -2 500 682 € -688 135 €
Net margin -5.1% -18.6% 0.8% N/C N/C N/C

Revenue and income statement

In 2023, CARDIF ASSISTANCE SASU achieves revenue of 3.4 M€. Revenue is declining over the period 2020-2023 (CAGR: -20.8%). Slight decline of -5% vs 2022. After deducting consumption (392 k€), gross margin stands at 3.0 M€, i.e. a rate of 89%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 87 k€, representing 2.5% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -174 k€ (-5.1% of revenue), which will impact equity.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

3 408 208 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

3 016 469 €

EBITDA (2023) ?
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

86 860 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-268 756 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-173 700 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.5%

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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 0%. 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 84%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.006%

Financial autonomy (2023) ?
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

83.534%

Cash flow / Revenue (2023) ?
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

6.222%

Repayment capacity (2023) ?
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

0.003

Asset age ratio (2023) ?
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

2.0%

Solvency indicators evolution
CARDIF ASSISTANCE SASU

Sector positioning

Debt ratio
0.01 2023
2020
2022
2023
Q1: 0.0
Med: 10.94
Q3: 83.08
Excellent

In 2023, the debt ratio of CARDIF ASSISTANCE SASU (0.01) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
83.53% 2023
2020
2022
2023
Q1: 5.32%
Med: 32.76%
Q3: 61.66%
Excellent

In 2023, the financial autonomy of CARDIF ASSISTANCE SASU (83.5%) 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
0.0 years 2023
2020
2022
2023
Q1: 0.0 years
Med: 0.01 years
Q3: 1.45 years
Good -20 pts over 3 years

In 2023, the repayment capacity of CARDIF ASSISTANCE SASU (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 653.01. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

653.014

Interest coverage (2023) ?
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
CARDIF ASSISTANCE SASU

Sector positioning

Liquidity ratio
653.01 2023
2020
2022
2023
Q1: 106.21
Med: 176.19
Q3: 306.8
Excellent

In 2023, the liquidity ratio of CARDIF ASSISTANCE SASU (653.01) 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.

Interest coverage
0.0x 2023
2020
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 1.77x
Average -34 pts over 3 years

In 2023, the interest coverage of CARDIF ASSISTANCE SASU (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: 485 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 144 days. The gap of 341 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 44 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 592 days of revenue, i.e. 5.6 M€ to permanently finance.

Operating WCR (2023) ?
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

5 601 117 €

Customer credit (2023) ?
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

485 j

Supplier credit (2023) ?
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

144 j

Inventory turnover (2023) ?
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

44 j

WCR in days of revenue (2023) ?
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

592 j

WCR and payment terms evolution
CARDIF ASSISTANCE SASU

Positioning of CARDIF ASSISTANCE SASU in its sector

Comparison with sector Location et location-bail d'autres biens personnels et domestiques

Valuation estimate

Based on 69 transactions of similar company sales (all years), the value of CARDIF ASSISTANCE SASU is estimated at 781 778 € (range 371 477€ - 1 379 224€). With an EBITDA of 86 860€, the sector multiple of 4.9x is applied. The price/revenue ratio is 0.40x (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 value 2023
69 tx
371k€ 781k€ 1379k€
781 778 € Range: 371 477€ - 1 379 224€
NAF 5 all-time

Valuation detail by method

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EBITDA Multiple 50%
86 860 € × 4.9x
Estimation 426 969 €
183 272€ - 921 677€
Revenue Multiple 30%
3 408 208 € × 0.40x
Estimation 1 373 129 €
685 153€ - 2 141 803€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 69 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 (Location et location-bail d'autres biens personnels et domestiques)

Compare CARDIF ASSISTANCE SASU with other companies in the same sector:

Voir toutes les statistiques du secteur Location et location-bail d'autres biens personnels et domestiques

Frequently asked questions about CARDIF ASSISTANCE SASU

What is the revenue of CARDIF ASSISTANCE SASU ?

The revenue of CARDIF ASSISTANCE SASU in 2023 is 3.4 M€.

Is CARDIF ASSISTANCE SASU profitable?

CARDIF ASSISTANCE SASU recorded a net loss in 2023.

Where is the headquarters of CARDIF ASSISTANCE SASU ?

The headquarters of CARDIF ASSISTANCE SASU is located in FONTENAY-AUX-ROSES (92260), in the department Hauts-de-Seine.

Where to find the tax return of CARDIF ASSISTANCE SASU ?

The tax return of CARDIF ASSISTANCE SASU 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 CARDIF ASSISTANCE SASU operate?

CARDIF ASSISTANCE SASU operates in the sector Location et location-bail d'autres biens personnels et domestiques (NAF code 77.29Z). See the 'Sector positioning' section above to compare the company with its competitors.