SIREN : 948948088
EM FINANCE is a French company founded 3 years ago, specialized in the sector Gestion de fonds. Based in VILLENAVE-D'ORNON (33140), this company of category PME shows in 2025 a revenue of 126 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
| Indicator | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 126 000 € | 126 000 € | 15 000 € |
| Net income | -686 € | 149 166 € | 10 021 € |
| EBITDA | -2 911 € | -3 609 € | 12 428 € |
| Net margin | -0.5% | 118.4% | 66.8% |
In 2025, EM FINANCE achieves revenue of 126 k€. Over the period 2023-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +189.8%. Slight decline of 0% vs 2024. After deducting consumption (0 €), gross margin stands at 126 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 -3 k€, representing -2.3% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -686 € (-0.5% of revenue), which will impact equity.
126 000 €
126 000 €
-2 911 €
-2 905 €
-686 €
-2.3%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 0%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
0.275%
0.269%
-0.544%
-0.913
In 2025, the debt ratio of EM FINANCE (0.28) 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 EM FINANCE (0.3%) 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 2025, the repayment capacity of EM FINANCE (-0.91) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 969.47. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
969.467
0.0
In 2025, the liquidity ratio of EM FINANCE (969.47) 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 2025, the interest coverage of EM FINANCE (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 171 days. Excellent situation: suppliers finance 171 days of the operating cycle (retail model). WCR is negative (-51 days): operations structurally generate cash. Notable WCR improvement over the period (-232%), freeing up cash.
-18 000 €
0 j
171 j
0 j
-51 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 16 763€ to 228 003€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 EM FINANCE with other companies in the same sector:
The revenue of EM FINANCE in 2025 is 126 k€.
EM FINANCE recorded a net loss in 2025.
The headquarters of EM FINANCE is located in VILLENAVE-D'ORNON (33140), in the department Gironde.
The tax return of EM FINANCE 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).
EM FINANCE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.