Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

CM FINANCES : revenue, balance sheet and financial ratios

CM FINANCES is a French company founded 7 years ago, specialized in the sector Gestion de fonds. Based in SAINT-REMY-DE-CHARGNAT (63500), this company of category PME shows in 2022 a net income positive of 25 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - CM FINANCES (SIREN 844698118)
Indicator 2022 2021 2020 2019
Revenue N/C N/C N/C N/C
Net income 25 499 € 21 613 € 9 454 € -8 017 €
EBITDA -3 126 € -2 986 € -3 251 € -7 858 €
Net margin N/C N/C N/C N/C

Revenue and income statement

In 2022, CM FINANCES generates positive net income of 25 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

EBITDA (2022) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-3 126 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-3 126 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

25 499 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 137%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 41%. 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 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

137.296%

Financial autonomy (2022) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

41.498%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

2.668

Solvency indicators evolution
CM FINANCES

Sector positioning

Debt ratio
137.3 2022
2020
2021
2022
Q1: 0.01
Med: 15.74
Q3: 126.79
Average

In 2022, the debt ratio of CM FINANCES (137.30) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
41.5% 2022
2020
2021
2022
Q1: 12.13%
Med: 51.88%
Q3: 88.01%
Average +18 pts over 3 years

In 2022, the financial autonomy of CM FINANCES (41.5%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
2.67 years 2022
2020
2021
2022
Q1: -0.05 years
Med: 0.0 years
Q3: 3.19 years
Average

In 2022, the repayment capacity of CM FINANCES (2.67) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1119.70. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2022) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

1119.704

Interest coverage (2022) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-27.543

Liquidity indicators evolution
CM FINANCES

Sector positioning

Liquidity ratio
1119.7 2022
2020
2021
2022
Q1: 96.29
Med: 394.11
Q3: 2450.04
Good +36 pts over 3 years

In 2022, the liquidity ratio of CM FINANCES (1119.70) 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.

Interest coverage
-27.54x 2022
2020
2021
2022
Q1: -46.58x
Med: 0.0x
Q3: 0.0x
Average +10 pts over 3 years

In 2022, the interest coverage of CM FINANCES (-27.5x) 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.

Positioning of CM FINANCES in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Based on 109 transactions of similar company sales in 2022, the value of CM FINANCES is estimated at 147 069 € (range 68 991€ - 322 360€). 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.

Estimated enterprise value 2022
109 transactions
68k€ 147k€ 322k€
147 069 € Range: 68 991€ - 322 360€
NAF 5 année 2022

Valuation method used

Net Income Multiple
25 499 € × 5.8x = 147 069 €
Range: 68 992€ - 322 360€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 109 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Gestion de fonds)

Compare CM FINANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Gestion de fonds

Frequently asked questions about CM FINANCES

What is the revenue of CM FINANCES ?

The revenue of CM FINANCES is not publicly disclosed (confidential accounts filed with INPI).

Is CM FINANCES profitable?

Yes, CM FINANCES generated a net profit of 25 k€ in 2022.

Where is the headquarters of CM FINANCES ?

The headquarters of CM FINANCES is located in SAINT-REMY-DE-CHARGNAT (63500), in the department Puy-de-Dome.

Where to find the tax return of CM FINANCES ?

The tax return of CM 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).

In which sector does CM FINANCES operate?

CM FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.