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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.

Data updated on 2026-04-18

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

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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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 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
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

24.3%

Solvency indicators evolution
MASSALIA FINANCE

Sector positioning

Debt ratio
0.05 2024
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

Sector positioning

Liquidity ratio
268.51 2024
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

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 value 2024
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

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:

Frequently asked questions about MASSALIA FINANCE

What is the revenue of MASSALIA FINANCE ?

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.