SIREN : 422717074
SAFICARD is a French company founded 27 years ago, specialized in the sector Edition de logiciels applicatifs. Based in BAGNOLET (93170), this company of category PME shows in 2023 a revenue of 5.8 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 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|
| Revenue | 5 771 373 € | 5 513 251 € | 5 270 367 € | 4 977 622 € | 4 442 812 € | 4 262 428 € |
| Net income | 206 475 € | 534 787 € | 182 378 € | 187 118 € | 189 899 € | 326 123 € |
| EBITDA | 1 187 371 € | 1 350 712 € | 1 487 847 € | 1 135 485 € | -225 205 € | 873 724 € |
| Net margin | 3.6% | 9.7% | 3.5% | 3.8% | 4.3% | 7.7% |
In 2023, SAFICARD achieves revenue of 5.8 M€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +5.2%. Vs 2022: +5%. After deducting consumption (1.4 M€), gross margin stands at 4.3 M€, i.e. a rate of 75%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 1.2 M€, representing 20.6% of revenue. Warning negative scissor effect: despite revenue change (+5%), EBITDA varies by -12%, reducing margin by 3.9 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 206 k€, i.e. 3.6% of revenue. This profit can be retained or distributed to shareholders.
5 771 373 €
4 336 733 €
1 187 371 €
107 590 €
206 475 €
20.6%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 58%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 15.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.963%
58.05%
15.363%
0.093
4.6%
In 2023, the debt ratio of SAFICARD (1.96) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2023, the financial autonomy of SAFICARD (58.0%) 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 2023, the repayment capacity of SAFICARD (0.09) 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 104.61. 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 0.9x. Danger: operating income does not cover interest charges, unsustainable situation.
104.615
0.902
In 2023, the liquidity ratio of SAFICARD (104.61) 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 SAFICARD (0.9x) 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: 107 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 113 days. Favorable situation: supplier credit is longer than customer credit by 6 days. Inventory turnover is 47 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 66 days of revenue, i.e. 1.1 M€ to permanently finance. Notable WCR improvement over the period (-26%), freeing up cash.
1 054 141 €
107 j
113 j
47 j
66 j
Based on 103 transactions of similar company sales (all years), the value of SAFICARD is estimated at 1 057 251 € (range 398 022€ - 2 976 669€). With an EBITDA of 1 187 371€, the sector multiple of 1.0x is applied. The price/revenue ratio is 0.25x (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 103 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 SAFICARD with other companies in the same sector:
Voir toutes les statistiques du secteur Edition de logiciels applicatifs
The revenue of SAFICARD in 2023 is 5.8 M€.
Yes, SAFICARD generated a net profit of 206 k€ in 2023.
The headquarters of SAFICARD is located in BAGNOLET (93170), in the department Seine-Saint-Denis.
The tax return of SAFICARD 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).
SAFICARD operates in the sector Edition de logiciels applicatifs (NAF code 58.29C). See the 'Sector positioning' section above to compare the company with its competitors.