SIREN : 528063886
MBFJ FINANCES is a French company founded 15 years ago, specialized in the sector Activités des sociétés holding. Based in PANAZOL (87350), this company of category PME shows in 2024 a revenue of 30 k€. 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30 000 € | 37 500 € | 6 000 € | 6 000 € | 60 000 € | 60 000 € | 60 000 € | 59 400 € | 56 400 € |
| Net income | 23 793 € | 30 037 € | 3 000 € | 565 € | 3 937 € | 4 012 € | 3 993 € | 2 009 € | 1 229 € |
| EBITDA | 28 243 € | 35 810 € | 4 065 € | 1 042 € | 4 792 € | 4 721 € | 4 119 € | 2 313 € | 13 € |
| Net margin | 79.3% | 80.1% | 50.0% | 9.4% | 6.6% | 6.7% | 6.7% | 3.4% | 2.2% |
In 2024, MBFJ FINANCES achieves revenue of 30 k€. Revenue is declining over the period 2016-2024 (CAGR: -7.6%). Significant drop of -20% vs 2023. After deducting consumption (0 €), gross margin stands at 30 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 28 k€, representing 94.1% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 24 k€, i.e. 79.3% of revenue. This profit can be retained or distributed to shareholders.
30 000 €
30 000 €
28 243 €
27 992 €
23 793 €
94.1%
The debt ratio (= Financial debt / Equity x 100) stands at 8%. 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 79%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 80.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
8.085%
79.245%
80.143%
0.181
6.0%
In 2024, the debt ratio of MBFJ FINANCES (8.09) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of MBFJ FINANCES (79.2%) 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.
In 2024, the repayment capacity of MBFJ FINANCES (0.18) 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 613.87. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
613.871
0.0
In 2024, the liquidity ratio of MBFJ FINANCES (613.87) 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 2024, the interest coverage of MBFJ FINANCES (0.0x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 360 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 279 days. The gap of 81 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 346 days of revenue, i.e. 29 k€ to permanently finance. Over 2016-2024, WCR increased by +149%, requiring additional financing.
28 871 €
360 j
279 j
0 j
346 j
Based on 54 transactions of similar company sales
in 2024,
the value of MBFJ FINANCES is estimated at
80 535 €
(range 19 287€ - 159 521€).
With an EBITDA of 28 243€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 MBFJ FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MBFJ FINANCES in 2024 is 30 k€.
Yes, MBFJ FINANCES generated a net profit of 24 k€ in 2024.
The headquarters of MBFJ FINANCES is located in PANAZOL (87350), in the department Haute-Vienne.
The tax return of MBFJ 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).
MBFJ 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.