SIREN : 335062741
A.U.M.FINANCES is a French company founded 40 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in SAINT-TROPEZ (83990), this company of category PME shows in 2022 a revenue of 266 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 266 450 € | 450 000 € | 334 000 € | 361 000 € | 351 000 € | 350 000 € | 385 000 € |
| Net income | 15 905 € | 147 204 € | 5 710 € | 29 003 € | 160 041 € | 16 727 € | 24 669 € |
| EBITDA | 16 028 € | 199 795 € | 5 214 € | 27 988 € | 1 700 € | 18 787 € | 26 546 € |
| Net margin | 6.0% | 32.7% | 1.7% | 8.0% | 45.6% | 4.8% | 6.4% |
In 2022, A.U.M.FINANCES achieves revenue of 266 k€. Revenue is declining over the period 2016-2022 (CAGR: -5.9%). Significant drop of -41% vs 2021. After deducting consumption (21 €), gross margin stands at 266 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 6.0% of revenue. Warning negative scissor effect: despite revenue change (-41%), EBITDA varies by -92%, reducing margin by 38.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 16 k€, i.e. 6.0% of revenue. This profit can be retained or distributed to shareholders.
266 450 €
266 429 €
16 028 €
16 031 €
15 905 €
6.0%
The debt ratio (= Financial debt / Equity x 100) stands at 118%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 36%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 21.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 6.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
117.958%
35.881%
6.303%
21.533
In 2022, the debt ratio of A.U.M.FINANCES (117.96) 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 2022, the financial autonomy of A.U.M.FINANCES (35.9%) 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 2022, the repayment capacity of A.U.M.FINANCES (21.53) 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 309.71. 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 6.0x. Operating income very largely covers interest expenses: high safety margin.
309.713
6.046
In 2022, the liquidity ratio of A.U.M.FINANCES (309.71) 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 2022, the interest coverage of A.U.M.FINANCES (6.0x) 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: 236 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. The gap of 227 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 280 days of revenue, i.e. 207 k€ to permanently finance.
207 245 €
236 j
9 j
0 j
280 j
Indicative estimate only : the number of comparable transactions in this sector is limited (23 transactions). This range of 58 634€ to 245 351€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 23 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 A.U.M.FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires
The revenue of A.U.M.FINANCES in 2022 is 266 k€.
Yes, A.U.M.FINANCES generated a net profit of 16 k€ in 2022.
The headquarters of A.U.M.FINANCES is located in SAINT-TROPEZ (83990), in the department Var.
The tax return of A.U.M.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).
A.U.M.FINANCES operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.