SIREN : 501462691
AM FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in PLOUMAGOAR (22970), this company of category PME shows in 2024 a revenue of 284 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 | 283 513 € | 275 769 € | 333 486 € | 337 855 € | 333 341 € | 257 036 € | 249 011 € | 244 306 € | 218 400 € |
| Net income | 492 756 € | 369 211 € | 51 211 € | 1 383 151 € | 261 845 € | 135 736 € | 132 045 € | 213 662 € | 229 238 € |
| EBITDA | -112 524 € | -73 801 € | -88 254 € | -93 740 € | -6 082 € | -14 733 € | -38 054 € | -10 046 € | -54 792 € |
| Net margin | 173.8% | 133.9% | 15.4% | 409.4% | 78.6% | 52.8% | 53.0% | 87.5% | 105.0% |
In 2024, AM FINANCES achieves revenue of 284 k€. Revenue is growing positively over 9 years (CAGR: +3.3%). Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 284 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 -113 k€, representing -39.7% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -52%, reducing margin by 12.9 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 493 k€, i.e. 173.8% of revenue. This profit can be retained or distributed to shareholders.
283 513 €
283 513 €
-112 524 €
-108 734 €
492 756 €
-39.7%
The debt ratio (= Financial debt / Equity x 100) stands at 14%. 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 85%. 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 0.8 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 172.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
14.242%
85.219%
172.158%
0.823
-0.0%
In 2024, the debt ratio of AM FINANCES (14.24) 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 AM FINANCES (85.2%) 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 AM FINANCES (0.82) 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 215.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
215.871
-12.852
In 2024, the liquidity ratio of AM FINANCES (215.87) 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 AM FINANCES (-12.8x) 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) 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: 29 days. Favorable situation: supplier credit is longer than customer credit by 29 days. Overall, WCR represents 122 days of revenue, i.e. 96 k€ to permanently finance. Over 2016-2024, WCR increased by +501%, requiring additional financing.
96 355 €
0 j
29 j
0 j
122 j
Based on 54 transactions of similar company sales
in 2024,
the value of AM FINANCES is estimated at
387 916 €
(range 245 838€ - 1 591 116€).
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 AM FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of AM FINANCES in 2024 is 284 k€.
Yes, AM FINANCES generated a net profit of 493 k€ in 2024.
The headquarters of AM FINANCES is located in PLOUMAGOAR (22970), in the department Cotes-d'Armor.
The tax return of AM 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).
AM 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.