CARDINAL FINANCE : revenue, balance sheet and financial ratios

CARDINAL FINANCE is a French company founded 15 years ago, specialized in the sector Organisation de foires, salons professionnels et congrès. Based in NOGENT-LE-ROI (28210), this company of category PME shows in 2020 a revenue of 210 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 - CARDINAL FINANCE (SIREN 528949605)
Indicator 2024 2020 2019 2018 2017 2016
Revenue N/C 209 508 € 270 254 € 234 206 € 243 768 € 276 769 €
Net income -24 972 € -23 747 € 6 027 € 8 196 € 12 970 € 14 653 €
EBITDA N/C -16 640 € 16 405 € 13 350 € 11 609 € 13 364 €
Net margin N/C -11.3% 2.2% 3.5% 5.3% 5.3%

Revenue and income statement

In 2024, CARDINAL FINANCE records a net loss of 25 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

-24 972 €

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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 34%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 62%. 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

34.356%

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

62.5%

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

69.7%

Solvency indicators evolution
CARDINAL FINANCE

Sector positioning

Debt ratio
34.36 2024
2019
2020
2024
Q1: 0.0
Med: 6.15
Q3: 41.32
Average +45 pts over 3 years

In 2024, the debt ratio of CARDINAL FINANCE (34.36) 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
62.5% 2024
2019
2020
2024
Q1: 3.99%
Med: 27.87%
Q3: 55.09%
Excellent

In 2024, the financial autonomy of CARDINAL FINANCE (62.5%) 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
-11.88 years 2020
2019
2020
Q1: -0.7 years
Med: 0.0 years
Q3: 0.25 years
Excellent -25 pts over 2 years

In 2020, the repayment capacity of CARDINAL FINANCE (-11.88) 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 224.23. 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

224.226

Liquidity indicators evolution
CARDINAL FINANCE

Sector positioning

Liquidity ratio
224.23 2024
2019
2020
2024
Q1: 121.4
Med: 202.74
Q3: 381.14
Good -22 pts over 3 years

In 2024, the liquidity ratio of CARDINAL FINANCE (224.23) 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
-6.17x 2020
2019
2020
Q1: -0.13x
Med: 0.0x
Q3: 0.0x
Average -50 pts over 2 years

In 2020, the interest coverage of CARDINAL FINANCE (-6.2x) 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.

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
CARDINAL FINANCE

Positioning of CARDINAL FINANCE in its sector

Comparison with sector Organisation de foires, salons professionnels et congrès

Similar companies (Organisation de foires, salons professionnels et congrès)

Compare CARDINAL FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Organisation de foires, salons professionnels et congrès

Frequently asked questions about CARDINAL FINANCE

What is the revenue of CARDINAL FINANCE ?

The revenue of CARDINAL FINANCE in 2020 is 210 k€.

Is CARDINAL FINANCE profitable?

CARDINAL FINANCE recorded a net loss in 2024.

Where is the headquarters of CARDINAL FINANCE ?

The headquarters of CARDINAL FINANCE is located in NOGENT-LE-ROI (28210), in the department Eure-et-Loir.

Where to find the tax return of CARDINAL FINANCE ?

The tax return of CARDINAL FINANCE 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 CARDINAL FINANCE operate?

CARDINAL FINANCE operates in the sector Organisation de foires, salons professionnels et congrès (NAF code 82.30Z). See the 'Sector positioning' section above to compare the company with its competitors.