SIREN : 824215354
2MA FINANCES is a French company founded 9 years ago, specialized in the sector Activités des sociétés holding. Based in SOURDEVAL (50150), this company of category PME shows in 2024 a revenue of 381 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 381 407 € | 360 208 € | 197 626 € | 165 149 € | 121 674 € | 43 180 € | 25 000 € | 15 000 € |
| Net income | 21 539 € | 35 986 € | 24 314 € | 23 371 € | 24 483 € | 2 485 € | 18 224 € | 5 285 € |
| EBITDA | 48 493 € | 62 716 € | 34 072 € | 50 495 € | 39 316 € | 21 626 € | 21 960 € | 7 380 € |
| Net margin | 5.6% | 10.0% | 12.3% | 14.2% | 20.1% | 5.8% | 72.9% | 35.2% |
In 2024, 2MA FINANCES achieves revenue of 381 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +58.8%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 381 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 48 k€, representing 12.7% of revenue. Warning negative scissor effect: despite revenue change (+6%), EBITDA varies by -23%, reducing margin by 4.7 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 22 k€, i.e. 5.6% of revenue. This profit can be retained or distributed to shareholders.
381 407 €
381 407 €
48 493 €
30 850 €
21 539 €
12.7%
The debt ratio (= Financial debt / Equity x 100) stands at 586%. 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 14%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 24.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 10.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
586.375%
13.815%
10.387%
24.587
68.0%
In 2024, the debt ratio of 2MA FINANCES (586.38) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2024, the financial autonomy of 2MA FINANCES (13.8%) 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 2024, the repayment capacity of 2MA FINANCES (24.59) 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 335.66. 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 12.7x. Operating income very largely covers interest expenses: high safety margin.
335.661
12.748
In 2024, the liquidity ratio of 2MA FINANCES (335.66) 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.
In 2024, the interest coverage of 2MA FINANCES (12.8x) 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: 68 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 18 days. The gap of 50 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 38 days of revenue, i.e. 41 k€ to permanently finance. Over 2017-2024, WCR increased by +5822%, requiring additional financing.
40 505 €
68 j
18 j
0 j
38 j
Based on 54 transactions of similar company sales
in 2024,
the value of 2MA FINANCES is estimated at
190 910 €
(range 65 770€ - 314 321€).
With an EBITDA of 48 493€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(in line with sector norms).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 2MA FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of 2MA FINANCES in 2024 is 381 k€.
Yes, 2MA FINANCES generated a net profit of 22 k€ in 2024.
The headquarters of 2MA FINANCES is located in SOURDEVAL (50150), in the department Manche.
The tax return of 2MA FINANCES 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).
2MA FINANCES operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.