SIREN : 452372360
M. CHARRIER FINANCE is a French company founded 22 years ago, specialized in the sector Gestion de fonds. Based in BASSE-GOULAINE (44115), this company of category PME shows in 2022 a revenue of 265 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 265 251 € | 398 072 € | 353 037 € | 392 923 € | 465 265 € | 427 910 € | 455 954 € |
| Net income | 43 451 € | -140 150 € | -156 213 € | 20 928 € | 37 832 € | 131 534 € | 7 048 € |
| EBITDA | -6 868 € | -22 877 € | -51 693 € | -41 252 € | -93 636 € | -48 559 € | -21 405 € |
| Net margin | 16.4% | -35.2% | -44.2% | 5.3% | 8.1% | 30.7% | 1.5% |
In 2022, M. CHARRIER FINANCE achieves revenue of 265 k€. Revenue is declining over the period 2016-2022 (CAGR: -8.6%). Significant drop of -33% vs 2021. After deducting consumption (15 k€), gross margin stands at 250 k€, i.e. a rate of 94%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -7 k€, representing -2.6% of revenue. Positive scissor effect: EBITDA margin improves by +3.2 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 43 k€, i.e. 16.4% of revenue. This profit can be retained or distributed to shareholders.
265 251 €
249 955 €
-6 868 €
-414 €
43 451 €
-2.6%
The debt ratio (= Financial debt / Equity x 100) stands at 448%. 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 15%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
447.853%
15.437%
-13.845%
-16.432
14.6%
In 2022, the debt ratio of M. CHARRIER FINANCE (447.85) 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 2022, the financial autonomy of M. CHARRIER FINANCE (15.4%) 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 2022, the repayment capacity of M. CHARRIER FINANCE (-16.43) 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 177.03. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
177.028
-1122.394
In 2022, the liquidity ratio of M. CHARRIER FINANCE (177.03) 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 2022, the interest coverage of M. CHARRIER FINANCE (-1122.4x) 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: 106 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 55 days. The gap of 51 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 135 days of revenue, i.e. 100 k€ to permanently finance.
99 766 €
106 j
55 j
0 j
135 j
Based on 109 transactions of similar company sales in 2022, the value of M. CHARRIER FINANCE is estimated at 189 983 € (range 97 262€ - 416 910€). The price/revenue ratio is 0.56x (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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare M. CHARRIER FINANCE with other companies in the same sector:
The revenue of M. CHARRIER FINANCE in 2022 is 265 k€.
Yes, M. CHARRIER FINANCE generated a net profit of 43 k€ in 2022.
The headquarters of M. CHARRIER FINANCE is located in BASSE-GOULAINE (44115), in the department Loire-Atlantique.
The tax return of M. CHARRIER 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).
M. CHARRIER 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.