SIREN : 431809508
CARDIWEB is a French company founded 25 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in PARIS (75009), this company of category PME shows in 2020 a revenue of 10.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|
| Revenue | 10 021 098 € | 10 887 145 € | 10 233 311 € | 11 987 046 € | 10 341 462 € |
| Net income | 1 610 440 € | 900 899 € | 960 928 € | 2 149 416 € | 1 010 948 € |
| EBITDA | 2 114 002 € | 1 182 560 € | 1 292 089 € | 2 131 172 € | 1 330 444 € |
| Net margin | 16.1% | 8.3% | 9.4% | 17.9% | 9.8% |
In 2020, CARDIWEB achieves revenue of 10.0 M€. Activity remains stable over the period (CAGR: -0.8%). Slight decline of -8% vs 2019. After deducting consumption (646 k€), gross margin stands at 9.4 M€, i.e. a rate of 94%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 2.1 M€, representing 21.1% of revenue. Positive scissor effect: EBITDA margin improves by +10.2 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.6 M€, i.e. 16.1% of revenue. This profit can be retained or distributed to shareholders.
10 021 098 €
9 374 696 €
2 114 002 €
2 193 562 €
1 610 440 €
21.1%
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 39%. The balance between equity and debt is satisfactory. Cash flow represents 15.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.0%
39.401%
15.29%
0.0
33.1%
In 2020, the debt ratio of CARDIWEB (0.00) 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.
In 2020, the financial autonomy of CARDIWEB (39.4%) 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.
In 2020, the repayment capacity of CARDIWEB (0.00) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 187.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
187.122
0.0
In 2020, the liquidity ratio of CARDIWEB (187.12) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2020, the interest coverage of CARDIWEB (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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 77 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 91 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Overall, WCR represents 15 days of revenue, i.e. 416 k€ to permanently finance. Over 2016-2020, WCR increased by +219%, requiring additional financing.
416 076 €
77 j
91 j
0 j
15 j
Based on 53 transactions of similar company sales
in 2020,
the value of CARDIWEB is estimated at
7 573 663 €
(range 4 018 262€ - 13 339 073€).
With an EBITDA of 2 114 002€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.45x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 53 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare CARDIWEB with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of CARDIWEB in 2020 is 10.0 M€.
Yes, CARDIWEB generated a net profit of 1.6 M€ in 2020.
The headquarters of CARDIWEB is located in PARIS (75009), in the department Paris.
The tax return of CARDIWEB 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).
CARDIWEB operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.