SIREN : 824339725
FINANCIERE M4 is a French company founded 9 years ago, specialized in the sector Activités des sociétés holding. Based in L'HOPITAL-LE-GRAND (42210), this company of category PME shows in 2024 a revenue of 385 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 385 109 € | 373 900 € | 366 019 € | 354 173 € | 246 364 € | 180 269 € | 174 000 € | N/C |
| Net income | 375 757 € | -22 795 € | -37 987 € | 29 951 € | 79 540 € | 3 149 € | -19 677 € | 243 524 € |
| EBITDA | -1 443 € | 13 697 € | 14 946 € | 27 601 € | -7 812 € | -23 591 € | -91 072 € | -6 960 € |
| Net margin | 97.6% | -6.1% | -10.4% | 8.5% | 32.3% | 1.7% | -11.3% | N/C |
In 2024, FINANCIERE M4 achieves revenue of 385 k€. Over the period 2018-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +14.2%. Vs 2023: +3%. After deducting consumption (0 €), gross margin stands at 385 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 -1 k€, representing -0.4% of revenue. Warning negative scissor effect: despite revenue change (+3%), EBITDA varies by -111%, reducing margin by 4.0 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 376 k€, i.e. 97.6% of revenue. This profit can be retained or distributed to shareholders.
385 109 €
385 109 €
-1 443 €
-34 370 €
375 757 €
-0.4%
The debt ratio (= Financial debt / Equity x 100) stands at 35%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 71%. 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 6.6 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 29.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
34.708%
71.123%
29.271%
6.602
76.9%
In 2024, the debt ratio of FINANCIERE M4 (34.71) 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 2024, the financial autonomy of FINANCIERE M4 (71.1%) 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 2024, the repayment capacity of FINANCIERE M4 (6.60) 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 495.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
495.524
-1550.52
In 2024, the liquidity ratio of FINANCIERE M4 (495.52) 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 2024, the interest coverage of FINANCIERE M4 (-1550.5x) 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.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 10 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 103 days. Excellent situation: suppliers finance 93 days of the operating cycle (retail model). WCR is negative (-104 days): operations structurally generate cash.
-111 458 €
10 j
103 j
0 j
-104 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE M4 is estimated at
355 481 €
(range 224 589€ - 1 284 262€).
The price/revenue ratio is 0.59x
(in line with sector norms).
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 54 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 FINANCIERE M4 with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE M4 in 2024 is 385 k€.
Yes, FINANCIERE M4 generated a net profit of 376 k€ in 2024.
The headquarters of FINANCIERE M4 is located in L'HOPITAL-LE-GRAND (42210), in the department Loire.
The tax return of FINANCIERE M4 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).
FINANCIERE M4 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.