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INTERCAD (INTERNATIONAL CADEAUX) : revenue, balance sheet and financial ratios

INTERCAD (INTERNATIONAL CADEAUX) is a French company founded 39 years ago, specialized in the sector Commerce de gros (commerce interentreprises) d'autres biens domestiques . Based in SAINT-ETIENNE (42100), this company of category PME shows in 2018 a revenue of 281 k€. 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

Financial history - INTERCAD (INTERNATIONAL CADEAUX) (SIREN 732034590)
Indicator 2018
Revenue 280 597 €
Net income 4 257 €
EBITDA 7 587 €
Net margin 1.5%

Revenue and income statement

En 2018, INTERCAD (INTERNATIONAL CADEAUX) alcanza unos ingresos de 281 k€. Tras deducir el consumo (93 k€), el margen bruto se sitúa en 188 k€, es decir, una tasa del 67%. El EBITDA alcanza 8 k€, representando el 2.7% de los ingresos. El margen operativo sigue siendo frágil, requiriendo vigilancia de costes. El resultado neto asciende a 4 k€, es decir, el 1.5% de los ingresos.

Revenue (2018) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

280 597 €

Gross margin (2018) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

187 615 €

EBITDA (2018) ?
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

7 587 €

EBIT (2018) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

4 858 €

Net income (2018) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

4 257 €

EBITDA margin (2018) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

2.7%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

El ratio de endeudamiento (= Deuda financiera / Fondos propios x 100) se sitúa en 72%. El nivel de deuda es alto: el margen de negociación con los bancos se reduce. La autonomía financiera (= Fondos propios / Total activo x 100) alcanza el 42%. Esta alta autonomía significa que la empresa financia la mayoría de sus activos con fondos propios. La capacidad de reembolso indica que se necesitarían 13.8 años de flujo de caja. Más allá de 7 años, los bancos generalmente consideran el riesgo crediticio como alto. El flujo de caja representa el 2.6% de los ingresos.

Debt ratio (2018) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

71.731%

Financial autonomy (2018) ?
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

42.308%

Cash flow / Revenue (2018) ?
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

2.592%

Repayment capacity (2018) ?
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

13.751

Asset age ratio (2018) ?
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

5.3%

Solvency indicators evolution
INTERCAD (INTERNATIONAL CADEAUX)

Sector positioning

Ratio de endeudamiento
71.73 2018
2018
Q1: 0.04
Med: 11.37
Q3: 62.93
Average

En 2018, el ratio de endeudamiento de INTERCAD (INTERNATIONAL C... (71.73) se sitúa por encima de la mediana del sector. Este ratio mide el peso de la deuda en relación con el patrimonio. Un esfuerzo de reducción podría mejorar la solidez financiera.

Autonomía financiera
42.31% 2018
2018
Q1: 13.36%
Med: 38.7%
Q3: 63.02%
Bueno

En 2018, el autonomía financiera de INTERCAD (INTERNATIONAL C... (42.3%) se sitúa por encima de la mediana del sector. Este ratio representa la parte del patrimonio en la financiación total. Esta posición cómoda ofrece un margen de seguridad apreciable.

Capacidad de reembolso
13.75 ans 2018
2018
Q1: 0.0 ans
Med: 0.01 ans
Q3: 1.4 ans
Average

En 2018, el capacidad de reembolso de INTERCAD (INTERNATIONAL C... (13.8 ans) se sitúa por encima de la mediana del sector. Este ratio indica el número de años necesarios para pagar la deuda con flujo de caja. Un esfuerzo de reducción podría mejorar la solidez financiera.

Liquidity ratios

El ratio de liquidez se sitúa en 360.36. La empresa tiene 2€ de activos líquidos por cada 1€ de deuda a corto plazo. El ratio de cobertura de intereses (= EBIT / Gastos financieros) es de 3.6x. Los gastos financieros están adecuadamente cubiertos por las operaciones.

Liquidity ratio (2018) ?
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

360.358

Interest coverage (2018) ?
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

3.559

Liquidity indicators evolution
INTERCAD (INTERNATIONAL CADEAUX)

Sector positioning

Ratio de liquidez
360.36 2018
2018
Q1: 128.29
Med: 202.48
Q3: 367.02
Bueno

En 2018, el ratio de liquidez de INTERCAD (INTERNATIONAL C... (360.36) se sitúa por encima de la mediana del sector. Este ratio mide la capacidad de cubrir deuda a corto plazo con activos corrientes. Esta posición cómoda ofrece un margen de seguridad apreciable.

Cobertura de intereses
3.56x 2018
2018
Q1: 0.0x
Med: 0.03x
Q3: 5.32x
Bueno

En 2018, el cobertura de intereses de INTERCAD (INTERNATIONAL C... (3.6x) se sitúa por encima de la mediana del sector. Este ratio indica cuántas veces el resultado operativo cubre los gastos de intereses. Esta posición cómoda ofrece un margen de seguridad apreciable.

Working capital requirement (WCR) and payment terms

El fondo de maniobra operativo (FM) mide el desfase temporal de tesorería. Plazo medio de cobro a clientes: 156 días. Plazo proveedores: 100 días. El desfase de 56 días pesa sobre la tesorería. La rotación de existencias es de 69 días. El FM representa 231 días de ingresos.

Operating WCR (2018) ?
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

180 236 €

Customer credit (2018) ?
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

156 j

Supplier credit (2018) ?
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

100 j

Inventory turnover (2018) ?
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

69 j

WCR in days of revenue (2018) ?
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

231 j

WCR and payment terms evolution
INTERCAD (INTERNATIONAL CADEAUX)

Positioning of INTERCAD (INTERNATIONAL CADEAUX) in its sector

Comparison with sector Commerce de gros (commerce interentreprises) d'autres biens domestiques

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (28 transactions). This range of 15 200€ to 38 822€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2018
Indicative
15k€ 29k€ 38k€
29 381 € Range: 15 200€ - 38 822€
NAF 5 année 2018
How is this estimate calculated?

This estimate is based on the analysis of 28 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 (Commerce de gros (commerce interentreprises) d'autres biens domestiques )

Compare INTERCAD (INTERNATIONAL CADEAUX) with other companies in the same sector:

Voir toutes les statistiques du secteur Commerce de gros (commerce interentreprises) d'autres biens domestiques

Frequently asked questions about INTERCAD (INTERNATIONAL CADEAUX)

What is the revenue of INTERCAD (INTERNATIONAL CADEAUX) ?

The revenue of INTERCAD (INTERNATIONAL CADEAUX) in 2018 is 281 k€.

Is INTERCAD (INTERNATIONAL CADEAUX) profitable?

Yes, INTERCAD (INTERNATIONAL CADEAUX) generated a net profit of 4 k€ in 2018.

Where is the headquarters of INTERCAD (INTERNATIONAL CADEAUX) ?

The headquarters of INTERCAD (INTERNATIONAL CADEAUX) is located in SAINT-ETIENNE (42100), in the department Loire.

Where to find the tax return of INTERCAD (INTERNATIONAL CADEAUX) ?

The tax return of INTERCAD (INTERNATIONAL CADEAUX) 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 INTERCAD (INTERNATIONAL CADEAUX) operate?

INTERCAD (INTERNATIONAL CADEAUX) operates in the sector Commerce de gros (commerce interentreprises) d'autres biens domestiques (NAF code 46.49Z). See the 'Sector positioning' section above to compare the company with its competitors.