SIREN : 490836418
MCR FINANCES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in L'UNION (31240), this company of category PME shows in 2022 a revenue of 936 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 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|
| Revenue | 936 195 € | 778 769 € | 692 964 € | 712 939 € | 663 287 € | 565 689 € | 608 469 € |
| Net income | 17 978 € | -53 780 € | 8 802 € | 17 054 € | -10 918 € | 23 592 € | 246 903 € |
| EBITDA | 70 998 € | 20 546 € | 22 763 € | 42 227 € | -20 236 € | -12 235 € | 26 845 € |
| Net margin | 1.9% | -6.9% | 1.3% | 2.4% | -1.6% | 4.2% | 40.6% |
In 2022, MCR FINANCES achieves revenue of 936 k€. Over the period 2016-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +7.4%. Vs 2021, growth of +20% (779 k€ -> 936 k€). After deducting consumption (1 k€), gross margin stands at 935 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 71 k€, representing 7.6% of revenue. Positive scissor effect: EBITDA margin improves by +4.9 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 18 k€, i.e. 1.9% of revenue. This profit can be retained or distributed to shareholders.
936 195 €
934 942 €
70 998 €
46 662 €
17 978 €
7.4%
The debt ratio (= Financial debt / Equity x 100) stands at -81%. 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 -131%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 76.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
-81.015%
-131.067%
2.484%
76.786
26.1%
In 2022, the debt ratio of MCR FINANCES (-81.02) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2022, the financial autonomy of MCR FINANCES (-131.1%) 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 2022, the repayment capacity of MCR FINANCES (76.79) 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 31.42. 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 55.2x. Operating income very largely covers interest expenses: high safety margin.
31.422
55.207
In 2022, the liquidity ratio of MCR FINANCES (31.42) 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 2022, the interest coverage of MCR FINANCES (55.2x) 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: 167 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 66 days. The gap of 101 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-538 days): operations structurally generate cash. Over 2016-2022, WCR increased by +48%, requiring additional financing.
-1 399 097 €
167 j
66 j
0 j
-538 j
Based on 70 transactions of similar company sales
in 2022,
the value of MCR FINANCES is estimated at
286 812 €
(range 125 916€ - 618 284€).
With an EBITDA of 70 998€, the sector multiple of 2.4x is applied.
The price/revenue ratio is 0.67x
(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 70 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 MCR FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MCR FINANCES in 2022 is 936 k€.
Yes, MCR FINANCES generated a net profit of 18 k€ in 2022.
The headquarters of MCR FINANCES is located in L'UNION (31240), in the department Haute-Garonne.
The tax return of MCR 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).
MCR 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.