2M FINANCIERE : revenue, balance sheet and financial ratios

2M FINANCIERE is a French company founded 18 years ago, specialized in the sector Courtage de valeurs mobilières et de marchandises. Based in FONTAINE-CHALENDRAY (17510), this company of category PME shows in 2025 a revenue of 10 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 - 2M FINANCIERE (SIREN 499911451)
Indicator 2025 2024 2023 2022 2021 2020 2016 2015
Revenue 9 944 € 551 833 € 702 253 € 662 984 € 448 943 € 550 762 € 490 301 € 513 279 €
Net income 77 864 € 3 427 603 € 91 370 € 113 812 € 30 015 € 103 722 € 277 627 € 285 302 €
EBITDA -151 090 € -99 797 € 164 940 € 150 669 € 33 981 € 114 627 € 128 495 € 132 480 €
Net margin 783.0% 621.1% 13.0% 17.2% 6.7% 18.8% 56.6% 55.6%

Revenue and income statement

In 2025, 2M FINANCIERE achieves revenue of 10 k€. Revenue is declining over the period 2015-2025 (CAGR: -32.6%). Significant drop of -98% vs 2024. After deducting consumption (0 €), gross margin stands at 10 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -151 k€, representing -1519.4% of revenue. Warning negative scissor effect: despite revenue change (-98%), EBITDA varies by -51%, reducing margin by 1501.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 78 k€, i.e. 783.0% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

9 944 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

9 944 €

EBITDA (2025) ?
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

-151 090 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-154 439 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

77 864 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-1519.4%

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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 100%. 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 929.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.175%

Financial autonomy (2025) ?
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

99.653%

Cash flow / Revenue (2025) ?
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

929.033%

Repayment capacity (2025) ?
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

0.129

Asset age ratio (2025) ?
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

63.1%

Solvency indicators evolution
2M FINANCIERE

Sector positioning

Debt ratio
0.17 2025
2023
2024
2025
Q1: 0.23
Med: 9.44
Q3: 55.99
Excellent -10 pts over 3 years

In 2025, the debt ratio of 2M FINANCIERE (0.17) 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
99.65% 2025
2023
2024
2025
Q1: 23.05%
Med: 63.51%
Q3: 93.6%
Excellent +22 pts over 3 years

In 2025, the financial autonomy of 2M FINANCIERE (99.7%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.13 years 2025
2023
2024
2025
Q1: -7.04 years
Med: 0.01 years
Q3: 2.31 years
Average -6 pts over 3 years

In 2025, the repayment capacity of 2M FINANCIERE (0.13) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 54793.66. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

54793.661

Interest coverage (2025) ?
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

-10.331

Liquidity indicators evolution
2M FINANCIERE

Sector positioning

Liquidity ratio
54793.66 2025
2023
2024
2025
Q1: 143.08
Med: 507.51
Q3: 5798.43
Excellent +21 pts over 3 years

In 2025, the liquidity ratio of 2M FINANCIERE (54793.66) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
-10.33x 2025
2023
2024
2025
Q1: -162.53x
Med: -1.2x
Q3: 0.0x
Average -26 pts over 3 years

In 2025, the interest coverage of 2M FINANCIERE (-10.3x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 31 days. Excellent situation: suppliers finance 31 days of the operating cycle (retail model). WCR is negative (-87 days): operations structurally generate cash. Notable WCR improvement over the period (-100%), freeing up cash.

Operating WCR (2025) ?
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

-2 400 €

Customer credit (2025) ?
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

0 j

Supplier credit (2025) ?
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

31 j

Inventory turnover (2025) ?
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

0 j

WCR in days of revenue (2025) ?
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

-87 j

WCR and payment terms evolution
2M FINANCIERE

Positioning of 2M FINANCIERE in its sector

Comparison with sector Courtage de valeurs mobilières et de marchandises

Valuation estimate

Based on 109 transactions of similar company sales (all years), the value of 2M FINANCIERE is estimated at 106 012 € (range 32 330€ - 272 432€). The price/revenue ratio is 0.30x (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.

Estimated enterprise value 2025
109 transactions
32k€ 106k€ 272k€
106 012 € Range: 32 330€ - 272 432€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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Revenue Multiple 30%
9 944 € × 0.30x
Estimation 2 983 €
1 476€ - 7 503€
Net Income Multiple 20%
77 864 € × 3.3x
Estimation 260 555 €
78 611€ - 669 827€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 109 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 (Courtage de valeurs mobilières et de marchandises)

Compare 2M FINANCIERE with other companies in the same sector:

Voir toutes les statistiques du secteur Courtage de valeurs mobilières et de marchandises

Frequently asked questions about 2M FINANCIERE

What is the revenue of 2M FINANCIERE ?

The revenue of 2M FINANCIERE in 2025 is 10 k€.

Is 2M FINANCIERE profitable?

Yes, 2M FINANCIERE generated a net profit of 78 k€ in 2025.

Where is the headquarters of 2M FINANCIERE ?

The headquarters of 2M FINANCIERE is located in FONTAINE-CHALENDRAY (17510), in the department Charente-Maritime.

Where to find the tax return of 2M FINANCIERE ?

The tax return of 2M FINANCIERE 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 2M FINANCIERE operate?

2M FINANCIERE operates in the sector Courtage de valeurs mobilières et de marchandises (NAF code 66.12Z). See the 'Sector positioning' section above to compare the company with its competitors.