M2H SOLUTIONS : revenue, balance sheet and financial ratios

M2H SOLUTIONS is a French company founded 19 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in CHALON-SUR-SAONE (71100), this company of category PME shows in 2022 a revenue of 1.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - M2H SOLUTIONS (SIREN 493377477)
Indicator 2024 2023 2022 2021 2020 2019 2018 2017 2016
Revenue N/C N/C 1 003 939 € 678 265 € 690 239 € 720 260 € 715 752 € N/C N/C
Net income 96 687 € 118 668 € 138 237 € 62 207 € 105 470 € 108 509 € 95 130 € 61 944 € 97 746 €
EBITDA N/C N/C 157 267 € 81 102 € 120 086 € 136 101 € 95 182 € N/C N/C
Net margin N/C N/C 13.8% 9.2% 15.3% 15.1% 13.3% N/C N/C

Revenue and income statement

In 2024, M2H SOLUTIONS generates positive net income of 97 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 98 k€ -> 97 k€.

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

96 687 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 51%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 62%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

50.502%

Financial autonomy (2024) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

61.59%

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

39.7%

Solvency indicators evolution
M2H SOLUTIONS

Sector positioning

Debt ratio
50.5 2024
2022
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.38
Average

In 2024, the debt ratio of M2H SOLUTIONS (50.50) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
61.59% 2024
2022
2023
2024
Q1: 13.01%
Med: 47.62%
Q3: 76.27%
Good

In 2024, the financial autonomy of M2H SOLUTIONS (61.6%) 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.

Repayment capacity
4.05 years 2022
2022
Q1: 0.0 years
Med: 0.15 years
Q3: 2.38 years
Watch

In 2022, the repayment capacity of M2H SOLUTIONS (4.05) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 319.93. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

319.933

Liquidity indicators evolution
M2H SOLUTIONS

Sector positioning

Liquidity ratio
319.93 2024
2022
2023
2024
Q1: 123.36
Med: 243.1
Q3: 571.4
Good -19 pts over 3 years

In 2024, the liquidity ratio of M2H SOLUTIONS (319.93) 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.

Interest coverage
1.54x 2022
2022
Q1: 0.0x
Med: 0.0x
Q3: 2.08x
Good

In 2022, the interest coverage of M2H SOLUTIONS (1.5x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2024) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2024) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2024) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2024) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
M2H SOLUTIONS

Positioning of M2H SOLUTIONS in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of M2H SOLUTIONS is estimated at 194 598 € (range 92 049€ - 888 518€). 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.

Estimated enterprise value 2024
193 transactions
92k€ 194k€ 888k€
194 598 € Range: 92 049€ - 888 518€
NAF 5 all-time

Valuation method used

Net Income Multiple
96 687 € × 2.0x = 194 599 €
Range: 92 049€ - 888 519€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Activités des agents et courtiers d'assurances)

Compare M2H SOLUTIONS with other companies in the same sector:

Frequently asked questions about M2H SOLUTIONS

What is the revenue of M2H SOLUTIONS ?

The revenue of M2H SOLUTIONS in 2022 is 1.0 M€.

Is M2H SOLUTIONS profitable?

Yes, M2H SOLUTIONS generated a net profit of 97 k€ in 2024.

Where is the headquarters of M2H SOLUTIONS ?

The headquarters of M2H SOLUTIONS is located in CHALON-SUR-SAONE (71100), in the department Saone-et-Loire.

Where to find the tax return of M2H SOLUTIONS ?

The tax return of M2H SOLUTIONS 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).

In which sector does M2H SOLUTIONS operate?

M2H SOLUTIONS operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.