SIREN : 485311948
BM FINANCES is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in LA BOISSIERE-DES-LANDES (85430), this company of category PME shows in 2023 a revenue of 187 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 | 2015 | 2014 |
|---|---|---|---|---|---|
| Revenue | 186 712 € | 214 246 € | 234 734 € | N/C | 156 026 € |
| Net income | 589 294 € | -130 021 € | 644 289 € | 229 654 € | 62 109 € |
| EBITDA | 36 441 € | -2 909 € | 45 780 € | N/C | 9 361 € |
| Net margin | 315.6% | -60.7% | 274.5% | N/C | 39.8% |
In 2023, BM FINANCES achieves revenue of 187 k€. Revenue is growing positively over 5 years (CAGR: +2.0%). Significant drop of -13% vs 2022. After deducting consumption (0 €), gross margin stands at 187 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 36 k€, representing 19.5% of revenue. Positive scissor effect: EBITDA margin improves by +20.9 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 589 k€, i.e. 315.6% of revenue. This profit can be retained or distributed to shareholders.
186 712 €
186 712 €
36 441 €
22 242 €
589 294 €
19.5%
The debt ratio (= Financial debt / Equity x 100) stands at 30%. 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 76%. 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 0.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 321.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
29.508%
76.407%
321.005%
0.385
In 2023, the debt ratio of BM FINANCES (29.51) 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 2023, the financial autonomy of BM FINANCES (76.4%) 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 BM FINANCES (0.39) 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 1202.44. 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 7.1x. Operating income very largely covers interest expenses: high safety margin.
1202.437
7.099
In 2023, the liquidity ratio of BM FINANCES (1202.44) 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 BM FINANCES (7.1x) 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: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 103 days. Excellent situation: suppliers finance 72 days of the operating cycle (retail model). Overall, WCR represents 129 days of revenue, i.e. 67 k€ to permanently finance. Notable WCR improvement over the period (-71%), freeing up cash.
66 886 €
31 j
103 j
0 j
129 j
Based on 63 transactions of similar company sales
in 2023,
the value of BM FINANCES is estimated at
1 196 089 €
(range 240 762€ - 1 813 032€).
With an EBITDA of 36 441€, 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 BM FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of BM FINANCES in 2023 is 187 k€.
Yes, BM FINANCES generated a net profit of 589 k€ in 2023.
The headquarters of BM FINANCES is located in LA BOISSIERE-DES-LANDES (85430), in the department Vendee.
The tax return of BM 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).
BM 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.