SIREN : 313811515
CARREFOUR BANQUE is a French company founded 48 years ago, specialized in the sector Autre distribution de crédit. Based in EVRY-COURCOURONNES (91000), this company of category GE shows in 2023 a revenue of 167.1 M€. 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
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 167 067 000 € | N/C | 228 331 000 € | N/C | N/C | N/C | N/C |
| Net income | 0 € | 32 608 000 € | 48 988 000 € | 0 € | 0 € | 38 228 000 € | 0 € |
| EBITDA | 167 067 000 € | N/C | 64 597 000 € | N/C | N/C | N/C | N/C |
| Net margin | 0.0% | N/C | 21.5% | N/C | N/C | N/C | N/C |
In 2023, CARREFOUR BANQUE achieves revenue of 167.1 M€. Revenue is declining over the period 2021-2023 (CAGR: -14.5%). After deducting consumption (0 €), gross margin stands at 167.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 167.1 M€, representing 100.0% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Net income is negative at 0 € (0.0% of revenue), which will impact equity.
167 067 000 €
167 067 000 €
167 067 000 €
47 831 000 €
100.0%
The debt ratio (= Financial debt / Equity x 100) stands at 140%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 84.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
140.105%
13.708%
84.899%
4.972
In 2023, the debt ratio of CARREFOUR BANQUE (140.10) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of CARREFOUR BANQUE (13.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of CARREFOUR BANQUE (4.97) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 0.00. Alert: short-term debt exceeds current assets. Risk of payment difficulties without cash reinforcement. The interest coverage ratio (= EBIT / Interest expenses) is 121.5x. Operating income very largely covers interest expenses: high safety margin.
0.0
121.508
In 2023, the liquidity ratio of CARREFOUR BANQUE (0.00) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2023, the interest coverage of CARREFOUR BANQUE (121.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. WCR is negative (-3265 days): operations structurally generate cash.
-1 515 342 798 €
0 j
0 j
0 j
-3265 j
Based on 135 transactions of similar company sales (all years), the value of CARREFOUR BANQUE is estimated at 43 624 992 € (range 31 171 595€ - 290 491 318€). With an EBITDA of 167 067 000€, the sector multiple of 0.3x is applied. The price/revenue ratio is 0.11x (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.
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This estimate is based on the analysis of 135 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 CARREFOUR BANQUE with other companies in the same sector:
Voir toutes les statistiques du secteur Autre distribution de crédit
The revenue of CARREFOUR BANQUE in 2023 is 167.1 M€.
Yes, CARREFOUR BANQUE generated a net profit of 32.6 M€ in 2022.
The headquarters of CARREFOUR BANQUE is located in EVRY-COURCOURONNES (91000), in the department Essonne.
The tax return of CARREFOUR BANQUE 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).
CARREFOUR BANQUE operates in the sector Autre distribution de crédit (NAF code 64.92Z). See the 'Sector positioning' section above to compare the company with its competitors.