SIREN : 353176647
FINANCIERE MSO is a French company founded 36 years ago, specialized in the sector Activités des sièges sociaux. Based in MONTAUBAN (82000), this company of category ETI shows in 2024 a revenue of 891 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 | 2024 | 2023 | 2022 | 2021 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 890 814 € | 778 026 € | 923 234 € | 670 740 € | 712 517 € | 685 178 € | 708 978 € | 708 978 € |
| Net income | 782 148 € | 536 888 € | 564 486 € | 3 121 835 € | 57 389 € | 96 212 € | 229 261 € | 109 422 € |
| EBITDA | -952 855 € | -690 091 € | -353 001 € | -245 375 € | -81 535 € | -48 301 € | 116 117 € | 33 728 € |
| Net margin | 87.8% | 69.0% | 61.1% | 465.4% | 8.1% | 14.0% | 32.3% | 15.4% |
In 2024, FINANCIERE MSO achieves revenue of 891 k€. Revenue is growing positively over 8 years (CAGR: +2.9%). Vs 2023, growth of +14% (778 k€ -> 891 k€). After deducting consumption (3 k€), gross margin stands at 888 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 -953 k€, representing -107.0% of revenue. Warning negative scissor effect: despite revenue change (+14%), EBITDA varies by -38%, reducing margin by 18.3 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 782 k€, i.e. 87.8% of revenue. This profit can be retained or distributed to shareholders.
890 814 €
887 639 €
-952 855 €
-308 924 €
782 148 €
-107.0%
The debt ratio (= Financial debt / Equity x 100) stands at 260%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 24%. The balance between equity and debt is satisfactory.
259.922%
24.209%
-21.608%
-85.803
40.0%
In 2024, the debt ratio of FINANCIERE MSO (259.92) 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 MSO (24.2%) 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 2024, the repayment capacity of FINANCIERE MSO (-85.80) 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 479.46. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
479.46
-84.467
In 2024, the liquidity ratio of FINANCIERE MSO (479.46) 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 2024, the interest coverage of FINANCIERE MSO (-84.5x) 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: 340 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 681 days. Excellent situation: suppliers finance 341 days of the operating cycle (retail model). Overall, WCR represents 6042 days of revenue, i.e. 15.0 M€ to permanently finance. Over 2016-2024, WCR increased by +406%, requiring additional financing.
14 950 995 €
340 j
681 j
0 j
6042 j
Based on 103 transactions of similar company sales in 2024, the value of FINANCIERE MSO is estimated at 3 176 472 € (range 1 117 581€ - 8 417 405€). The price/revenue ratio is 0.38x (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.
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This estimate is based on the analysis of 103 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 MSO with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE MSO in 2024 is 891 k€.
Yes, FINANCIERE MSO generated a net profit of 782 k€ in 2024.
The headquarters of FINANCIERE MSO is located in MONTAUBAN (82000), in the department Tarn-et-Garonne.
The tax return of FINANCIERE MSO 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 MSO operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.