SIREN : 793845645
AM FINANCES is a French company founded 12 years ago, specialized in the sector Activités des sièges sociaux. Based in NANTES (44200), this company of category PME shows in 2025 a revenue of 205 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 205 000 € | 164 400 € | 164 400 € | 164 400 € | 152 400 € | 152 400 € | 152 400 € | 134 004 € | N/C | N/C |
| Net income | 391 063 € | -45 877 € | 6 267 € | 6 503 € | -103 585 € | -24 288 € | -23 681 € | -32 479 € | 730 961 € | 11 843 € |
| EBITDA | 536 € | -33 097 € | -6 035 € | -298 € | -12 850 € | 3 097 € | -72 € | -3 717 € | -16 032 € | -13 282 € |
| Net margin | 190.8% | -27.9% | 3.8% | 4.0% | -68.0% | -15.9% | -15.5% | -24.2% | N/C | N/C |
In 2025, AM FINANCES achieves revenue of 205 k€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +6.3%. Vs 2024, growth of +25% (164 k€ -> 205 k€). After deducting consumption (0 €), gross margin stands at 205 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 536 €, representing 0.3% of revenue. Positive scissor effect: EBITDA margin improves by +20.4 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 391 k€, i.e. 190.8% of revenue. This profit can be retained or distributed to shareholders.
205 000 €
205 000 €
536 €
6 004 €
391 063 €
0.3%
The debt ratio (= Financial debt / Equity x 100) stands at 1%. 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 98%. 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 188.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.443%
98.208%
188.581%
0.147
In 2025, the debt ratio of AM FINANCES (1.44) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of AM FINANCES (98.2%) 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.
In 2025, the repayment capacity of AM FINANCES (0.15) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 501.49. 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 18.5x. Operating income very largely covers interest expenses: high safety margin.
501.494
18.47
In 2025, the liquidity ratio of AM FINANCES (501.49) 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 2025, the interest coverage of AM FINANCES (18.5x) 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: 11 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 204 days. Excellent situation: suppliers finance 193 days of the operating cycle (retail model). Overall, WCR represents 53 days of revenue, i.e. 30 k€ to permanently finance.
30 119 €
11 j
204 j
0 j
53 j
Based on 54 transactions of similar company sales
in 2025,
the value of AM FINANCES is estimated at
255 311 €
(range 81 454€ - 489 708€).
With an EBITDA of 536€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(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 sièges sociaux
The revenue of AM FINANCES in 2025 is 205 k€.
Yes, AM FINANCES generated a net profit of 391 k€ in 2025.
The headquarters of AM FINANCES is located in NANTES (44200), in the department Loire-Atlantique.
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 sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.