CASH PROCESSING SOLUTIONS : revenue, balance sheet and financial ratios

CASH PROCESSING SOLUTIONS is a French company founded 17 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in SAINT-THIBAULT-DES-VIGNES (77400), this company of category PME shows in 2022 a revenue of 772 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 - CASH PROCESSING SOLUTIONS (SIREN 505393223)
Indicator 2022 2021 2020 2019 2018 2017
Revenue 772 125 € 1 044 851 € 1 296 787 € 2 266 208 € 1 571 801 € 1 486 541 €
Net income -287 920 € -117 031 € -122 707 € 366 642 € 19 519 € 74 444 €
EBITDA -734 895 € -465 802 € -418 724 € 90 065 € -279 061 € -336 245 €
Net margin -37.3% -11.2% -9.5% 16.2% 1.2% 5.0%

Revenue and income statement

In 2022, CASH PROCESSING SOLUTIONS achieves revenue of 772 k€. Revenue is declining over the period 2017-2022 (CAGR: -12.3%). Significant drop of -26% vs 2021. After deducting consumption (142 k€), gross margin stands at 630 k€, i.e. a rate of 82%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -735 k€, representing -95.2% of revenue. Warning negative scissor effect: despite revenue change (-26%), EBITDA varies by -58%, reducing margin by 50.6 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -288 k€ (-37.3% of revenue), which will impact equity.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

772 125 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

629 934 €

EBITDA (2022) ?
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

-734 895 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-287 820 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-287 920 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-95.2%

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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 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 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2022) ?
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

13.574%

Cash flow / Revenue (2022) ?
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

-99.194%

Repayment capacity (2022) ?
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

0.0

Asset age ratio (2022) ?
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

29.8%

Solvency indicators evolution
CASH PROCESSING SOLUTIONS

Sector positioning

Debt ratio
0.0 2022
2020
2021
2022
Q1: 0.0
Med: 5.46
Q3: 55.74
Excellent

In 2022, the debt ratio of CASH PROCESSING SOLUTIONS (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.

Financial autonomy
13.57% 2022
2020
2021
2022
Q1: 6.67%
Med: 40.69%
Q3: 75.56%
Average -22 pts over 3 years

In 2022, the financial autonomy of CASH PROCESSING SOLUTIONS (13.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2022
2020
2021
2022
Q1: 0.0 years
Med: 0.0 years
Q3: 1.02 years
Excellent

In 2022, the repayment capacity of CASH PROCESSING SOLUTIONS (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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 163.42. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
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

163.423

Interest coverage (2022) ?
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
CASH PROCESSING SOLUTIONS

Sector positioning

Liquidity ratio
163.42 2022
2020
2021
2022
Q1: 135.79
Med: 283.99
Q3: 749.58
Average

In 2022, the liquidity ratio of CASH PROCESSING SOLUTIONS (163.42) 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.

Interest coverage
0.0x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 0.31x
Average

In 2022, the interest coverage of CASH PROCESSING SOLUTIONS (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: 313 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 162 days. The gap of 151 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 192 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 83 days of revenue, i.e. 178 k€ to permanently finance. Notable WCR improvement over the period (-73%), freeing up cash.

Operating WCR (2022) ?
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

177 566 €

Customer credit (2022) ?
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

313 j

Supplier credit (2022) ?
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

162 j

Inventory turnover (2022) ?
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

192 j

WCR in days of revenue (2022) ?
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

83 j

WCR and payment terms evolution
CASH PROCESSING SOLUTIONS

Positioning of CASH PROCESSING SOLUTIONS in its sector

Comparison with sector Conseil pour les affaires et autres conseils de gestion

Valuation estimate

Based on 88 transactions of similar company sales in 2022, the value of CASH PROCESSING SOLUTIONS is estimated at 253 548 € (range 144 678€ - 567 244€). The price/revenue ratio is 0.33x (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 2022
88 tx
144k€ 253k€ 567k€
253 548 € Range: 144 678€ - 567 244€
NAF 5 année 2022

Valuation method used

Revenue Multiple
772 125 € × 0.33x = 253 548 €
Range: 144 679€ - 567 244€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 88 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 (Conseil pour les affaires et autres conseils de gestion)

Compare CASH PROCESSING SOLUTIONS with other companies in the same sector:

Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion

Frequently asked questions about CASH PROCESSING SOLUTIONS

What is the revenue of CASH PROCESSING SOLUTIONS ?

The revenue of CASH PROCESSING SOLUTIONS in 2022 is 772 k€.

Is CASH PROCESSING SOLUTIONS profitable?

CASH PROCESSING SOLUTIONS recorded a net loss in 2022.

Where is the headquarters of CASH PROCESSING SOLUTIONS ?

The headquarters of CASH PROCESSING SOLUTIONS is located in SAINT-THIBAULT-DES-VIGNES (77400), in the department Seine-et-Marne.

Where to find the tax return of CASH PROCESSING SOLUTIONS ?

The tax return of CASH PROCESSING SOLUTIONS 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 CASH PROCESSING SOLUTIONS operate?

CASH PROCESSING SOLUTIONS 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.