SIREN : 522527118
M FINANCES is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in MARSEILLE (13006), this company of category ETI shows in 2023 a revenue of 1.2 M€. 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 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|
| Revenue | 1 166 973 € | 1 252 977 € | 1 106 167 € | 1 142 444 € | 1 241 732 € |
| Net income | 973 242 € | 1 675 517 € | 1 496 093 € | 1 734 555 € | 566 351 € |
| EBITDA | 30 109 € | -1 958 € | 5 349 € | -38 979 € | -12 452 € |
| Net margin | 83.4% | 133.7% | 135.3% | 151.8% | 45.6% |
In 2023, M FINANCES achieves revenue of 1.2 M€. Activity remains stable over the period (CAGR: -1.5%). Slight decline of -7% vs 2022. After deducting consumption (0 €), gross margin stands at 1.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 30 k€, representing 2.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.7 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 973 k€, i.e. 83.4% of revenue. This profit can be retained or distributed to shareholders.
1 166 973 €
1 166 973 €
30 109 €
1 098 703 €
973 242 €
2.6%
The debt ratio (= Financial debt / Equity x 100) stands at 253%. 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. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.0 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 94.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
253.175%
23.767%
94.596%
3.96
11.3%
In 2023, the debt ratio of M FINANCES (253.18) 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 2023, the financial autonomy of M FINANCES (23.8%) 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 2023, the repayment capacity of M FINANCES (3.96) 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 496.94. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 667.9x. Operating income very largely covers interest expenses: high safety margin.
496.937
667.91
In 2023, the liquidity ratio of M FINANCES (496.94) 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 2023, the interest coverage of M FINANCES (667.9x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1170 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. The gap of 1135 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 1282 days of revenue, i.e. 4.2 M€ to permanently finance. Over 2019-2023, WCR increased by +471%, requiring additional financing.
4 156 349 €
1170 j
35 j
0 j
1282 j
Based on 63 transactions of similar company sales
in 2023,
the value of M FINANCES is estimated at
1 968 622 €
(range 417 756€ - 3 061 343€).
With an EBITDA of 30 109€, the sector multiple of 4.6x is applied.
The price/revenue ratio is 0.24x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 63 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 FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of M FINANCES in 2023 is 1.2 M€.
Yes, M FINANCES generated a net profit of 973 k€ in 2023.
The headquarters of M FINANCES is located in MARSEILLE (13006), in the department Bouches-du-Rhone.
The tax return of M 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).
M FINANCES 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.