Employees: 11 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2011-05-28 (14 years)Status: ActiveBusiness sector: Activités des agents et courtiers d'assurancesLocation: MARSEILLE (13006), Bouches-du-Rhone
Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.
MASSALIA FINANCE : revenue, balance sheet and financial ratios
MASSALIA FINANCE is a French company
founded 14 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in MARSEILLE (13006),
this company of category PME
shows in 2016 a revenue of 1.0 M€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - MASSALIA FINANCE (SIREN 532977014)
Indicator
2024
2023
2021
2020
2018
2017
2016
Revenue
N/C
N/C
N/C
N/C
N/C
N/C
1 015 645 €
Net income
172 428 €
118 913 €
238 367 €
144 867 €
25 385 €
68 098 €
98 030 €
EBITDA
N/C
N/C
N/C
N/C
N/C
N/C
147 631 €
Net margin
N/C
N/C
N/C
N/C
N/C
N/C
9.7%
Revenue and income statement
In 2024, MASSALIA FINANCE generates positive net income of 172 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 98 k€ -> 172 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
172 428 €
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 0%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 83%. 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
0.051%
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
83.092%
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2020
2021
2023
2024
Debt ratio
11.584
9.652
8.399
0.137
0.072
1.492
0.051
Financial autonomy
82.213
80.652
73.001
84.306
86.478
84.465
83.092
Repayment capacity
1.131
None
None
None
None
None
None
Cash flow / Revenue
9.58%
None%
None%
None%
None%
None%
None%
Sector positioning
Debt ratio
0.052024
2021
2023
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good
In 2024, the debt ratio of MASSALIA FINANCE (0.05) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
Financial autonomy
83.09%2024
2021
2023
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Excellent
In 2024, the financial autonomy of MASSALIA FINANCE (83.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 268.51. 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
268.511
Liquidity indicators evolution MASSALIA FINANCE
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2020
2021
2023
2024
Liquidity ratio
253.945
215.06
163.436
193.77
285.539
284.323
268.511
Interest coverage
5.745
None
None
None
None
None
None
Sector positioning
Liquidity ratio
268.512024
2021
2023
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Good
In 2024, the liquidity ratio of MASSALIA FINANCE (268.51) 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.
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 MASSALIA FINANCE
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2020
2021
2023
2024
Operating WCR
73 411 €
0 €
0 €
0 €
0 €
0 €
0 €
Inventory turnover (days)
0
0
0
0
0
0
0
Customer payment term (days)
42
0
0
0
0
0
0
Supplier payment term (days)
16
0
0
0
0
0
0
Positioning of MASSALIA FINANCE 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 MASSALIA FINANCE is estimated at
347 040 €
(range 164 156€ - 1 584 551€).
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 value2024
193 transactions
164k€347k€1584k€
347 040 €Range: 164 156€ - 1 584 551€
NAF 5 all-time
Valuation method used
Net Income Multiple
172 428 €
×
2.0x
=347 041 €
Range: 164 157€ - 1 584 552€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 MASSALIA FINANCE with other companies in the same sector:
The revenue of MASSALIA FINANCE in 2016 is 1.0 M€.
Is MASSALIA FINANCE profitable?
Yes, MASSALIA FINANCE generated a net profit of 172 k€ in 2024.
Where is the headquarters of MASSALIA FINANCE ?
The headquarters of MASSALIA FINANCE is located in MARSEILLE (13006), in the department Bouches-du-Rhone.
Where to find the tax return of MASSALIA FINANCE ?
The tax return of MASSALIA 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).
In which sector does MASSALIA FINANCE operate?
MASSALIA FINANCE 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.
Item evolution
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