SIREN : 433011558
CARS FINANCE is a French company founded 25 years ago, specialized in the sector Crédit-bail . Based in LAMBALLE-ARMOR (22400), this company of category PME shows in 2024 a revenue of 1.1 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
| Indicator | 2024 | 2023 |
|---|---|---|
| Revenue | 1 105 660 € | 1 152 207 € |
| Net income | 149 020 € | 82 305 € |
| EBITDA | 370 559 € | 239 860 € |
| Net margin | 13.5% | 7.1% |
In 2024, CARS FINANCE achieves revenue of 1.1 M€. Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 1.1 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 371 k€, representing 33.5% of revenue. Positive scissor effect: EBITDA margin improves by +12.7 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 149 k€, i.e. 13.5% of revenue. This profit can be retained or distributed to shareholders.
1 105 660 €
1 105 660 €
370 559 €
244 867 €
149 020 €
33.5%
The debt ratio (= Financial debt / Equity x 100) stands at 553%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. 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 6.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 24.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
552.53%
13.762%
24.846%
6.275
82.2%
In 2024, the debt ratio of CARS FINANCE (552.53) 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 2024, the financial autonomy of CARS FINANCE (13.8%) 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.
In 2024, the repayment capacity of CARS FINANCE (6.28) 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 154.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 12.1x. Operating income very largely covers interest expenses: high safety margin.
154.938
12.091
In 2024, the liquidity ratio of CARS FINANCE (154.94) 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 2024, the interest coverage of CARS FINANCE (12.1x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 44 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 82 days. Excellent situation: suppliers finance 38 days of the operating cycle (retail model). Overall, WCR represents 91 days of revenue, i.e. 281 k€ to permanently finance.
280 771 €
44 j
82 j
0 j
91 j
Based on 142 transactions of similar company sales (all years), the value of CARS FINANCE is estimated at 908 525 € (range 97 897€ - 1 721 015€). With an EBITDA of 370 559€, the sector multiple of 2.6x 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.
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This estimate is based on the analysis of 142 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 CARS FINANCE with other companies in the same sector:
The revenue of CARS FINANCE in 2024 is 1.1 M€.
Yes, CARS FINANCE generated a net profit of 149 k€ in 2024.
The headquarters of CARS FINANCE is located in LAMBALLE-ARMOR (22400), in the department Cotes-d'Armor.
The tax return of CARS 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).
CARS FINANCE operates in the sector Crédit-bail (NAF code 64.91Z). See the 'Sector positioning' section above to compare the company with its competitors.