SIREN : 480120286
SARL SICARD is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in MONTELIMAR (26200), this company of category PME shows in 2019 a revenue of 425 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
| Indicator | 2019 |
|---|---|
| Revenue | 424 511 € |
| Net income | 5 077 € |
| EBITDA | 4 640 € |
| Net margin | 1.2% |
In 2019, SARL SICARD achieves revenue of 425 k€. After deducting consumption (174 k€), gross margin stands at 251 k€, i.e. a rate of 59%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 5 k€, representing 1.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 5 k€, i.e. 1.2% of revenue. This profit can be retained or distributed to shareholders.
424 511 €
250 842 €
4 640 €
1 596 €
5 077 €
1.1%
The debt ratio (= Financial debt / Equity x 100) stands at 524%. 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 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 106.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 0.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
524.243%
14.708%
0.713%
106.378
23.9%
In 2019, the debt ratio of SARL SICARD (524.24) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2019, the financial autonomy of SARL SICARD (14.7%) 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 2019, the repayment capacity of SARL SICARD (106.38) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 352.74. 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 3.8x. Financial charges are adequately covered by operations.
352.74
3.836
In 2019, the liquidity ratio of SARL SICARD (352.74) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2019, the interest coverage of SARL SICARD (3.8x) 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. Average customer payment term: 137 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 73 days. The gap of 64 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 154 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 390 days of revenue, i.e. 459 k€ to permanently finance.
459 304 €
137 j
73 j
154 j
390 j
Indicative estimate only : the number of comparable transactions in this sector is limited (38 transactions). This range of 64 793€ to 248 822€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 38 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 SARL SICARD with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of SARL SICARD in 2019 is 425 k€.
Yes, SARL SICARD generated a net profit of 5 k€ in 2019.
The headquarters of SARL SICARD is located in MONTELIMAR (26200), in the department Drome.
The tax return of SARL SICARD 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).
SARL SICARD operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.