SIREN : 794594697
4MA FINANCES is a French company founded 12 years ago, specialized in the sector Activités des sociétés holding. Based in FAULQUEMONT (57380), this company of category PME shows in 2024 a revenue of 488 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 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 488 000 € | 444 000 € | 384 000 € | 360 000 € | 300 000 € | 204 000 € | 156 000 € | 144 000 € | 144 000 € |
| Net income | 46 366 € | 1 991 930 € | 623 539 € | 998 763 € | 808 205 € | -12 247 € | -198 € | 7 980 € | 10 980 € |
| EBITDA | 94 475 € | 32 634 € | 11 216 € | 3 432 € | 10 616 € | -14 971 € | -6 990 € | 9 827 € | 12 839 € |
| Net margin | 9.5% | 448.6% | 162.4% | 277.4% | 269.4% | -6.0% | -0.1% | 5.5% | 7.6% |
In 2024, 4MA FINANCES achieves revenue of 488 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +16.5%. Vs 2023: +10%. After deducting consumption (0 €), gross margin stands at 488 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 94 k€, representing 19.4% of revenue. Positive scissor effect: EBITDA margin improves by +12.0 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 46 k€, i.e. 9.5% of revenue. This profit can be retained or distributed to shareholders.
488 000 €
488 000 €
94 475 €
84 796 €
46 366 €
19.4%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 91%. 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 2.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 12.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
3.899%
90.871%
12.104%
2.072
76.0%
In 2024, the debt ratio of 4MA FINANCES (3.90) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of 4MA FINANCES (90.9%) 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 2024, the repayment capacity of 4MA FINANCES (2.07) 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 187.52. 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 3.9x. Financial charges are adequately covered by operations.
187.517
3.931
In 2024, the liquidity ratio of 4MA FINANCES (187.52) 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 4MA FINANCES (3.9x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 109 days. Excellent situation: suppliers finance 109 days of the operating cycle (retail model). Overall, WCR represents 99 days of revenue, i.e. 134 k€ to permanently finance. Over 2016-2024, WCR increased by +2606%, requiring additional financing.
133 766 €
0 j
109 j
0 j
99 j
Based on 54 transactions of similar company sales
in 2024,
the value of 4MA FINANCES is estimated at
328 168 €
(range 100 927€ - 565 385€).
With an EBITDA of 94 475€, 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 4MA FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of 4MA FINANCES in 2024 is 488 k€.
Yes, 4MA FINANCES generated a net profit of 46 k€ in 2024.
The headquarters of 4MA FINANCES is located in FAULQUEMONT (57380), in the department Moselle.
The tax return of 4MA 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).
4MA 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.