SIREN : 505257717
AMY FINANCES is a French company founded 17 years ago, specialized in the sector Activités des sociétés holding. Based in AYEN (19310), this company of category PME shows in 2023 a revenue of 207 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 206 856 € | 205 184 € | 204 624 € | 172 086 € | 156 346 € | 130 947 € | 100 181 € | 87 088 € |
| Net income | 146 469 € | 103 066 € | 93 288 € | 99 784 € | 96 923 € | 103 230 € | 132 216 € | 92 068 € |
| EBITDA | 15 972 € | 15 922 € | 15 947 € | 12 996 € | 11 583 € | 7 506 € | 6 652 € | 5 811 € |
| Net margin | 70.8% | 50.2% | 45.6% | 58.0% | 62.0% | 78.8% | 132.0% | 105.7% |
In 2023, AMY FINANCES achieves revenue of 207 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +13.2%. Vs 2022: +1%. After deducting consumption (0 €), gross margin stands at 207 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 16 k€, representing 7.7% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 146 k€, i.e. 70.8% of revenue. This profit can be retained or distributed to shareholders.
206 856 €
206 856 €
15 972 €
15 972 €
146 469 €
7.7%
The debt ratio (= Financial debt / Equity x 100) stands at 10%. 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 89%. 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 1.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 70.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
9.988%
89.448%
70.807%
0.968
In 2023, the debt ratio of AMY FINANCES (9.99) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2023, the financial autonomy of AMY FINANCES (89.5%) 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 2023, the repayment capacity of AMY FINANCES (0.97) 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 2281.32. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2281.315
0.0
In 2023, the liquidity ratio of AMY FINANCES (2281.32) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2023, the interest coverage of AMY FINANCES (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 184 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 85 days. The gap of 99 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 185 days of revenue, i.e. 107 k€ to permanently finance. Over 2016-2023, WCR increased by +4700%, requiring additional financing.
106 547 €
184 j
85 j
0 j
185 j
Based on 63 transactions of similar company sales
in 2023,
the value of AMY FINANCES is estimated at
324 660 €
(range 74 095€ - 511 887€).
With an EBITDA of 15 972€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.24x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 63 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 AMY FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of AMY FINANCES in 2023 is 207 k€.
Yes, AMY FINANCES generated a net profit of 146 k€ in 2023.
The headquarters of AMY FINANCES is located in AYEN (19310), in the department Correze.
The tax return of AMY 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).
AMY 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.