SIREN : 493558365
MG FINANCES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in VANNES (56000), this company of category PME shows in 2022 a revenue of 446 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 | 446 269 € | 460 139 € | 380 907 € | 301 594 € | 277 461 € | 274 113 € | 283 087 € |
| Net income | 254 964 € | 181 522 € | -24 348 € | 67 379 € | 96 784 € | -228 675 € | -72 693 € |
| EBITDA | -1 705 € | -2 222 € | -30 701 € | -16 384 € | -14 558 € | -9 593 € | -13 022 € |
| Net margin | 57.1% | 39.4% | -6.4% | 22.3% | 34.9% | -83.4% | -25.7% |
In 2022, MG FINANCES achieves revenue of 446 k€. Over the period 2016-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +7.9%. Slight decline of -3% vs 2021. After deducting consumption (0 €), gross margin stands at 446 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 -2 k€, representing -0.4% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 255 k€, i.e. 57.1% of revenue. This profit can be retained or distributed to shareholders.
446 269 €
446 269 €
-1 705 €
10 242 €
254 964 €
-0.4%
The debt ratio (= Financial debt / Equity x 100) stands at 56%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 56%. 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 1.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 54.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
55.954%
55.912%
54.452%
1.682
In 2022, the debt ratio of MG FINANCES (55.95) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2022, the financial autonomy of MG FINANCES (55.9%) 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 MG FINANCES (1.68) 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 221.27. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
221.27
-307.214
In 2022, the liquidity ratio of MG FINANCES (221.27) 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 MG FINANCES (-307.2x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 4 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 431 days. Excellent situation: suppliers finance 427 days of the operating cycle (retail model). Overall, WCR represents 224 days of revenue, i.e. 277 k€ to permanently finance. Over 2016-2022, WCR increased by +118%, requiring additional financing.
277 289 €
4 j
431 j
0 j
224 j
Based on 70 transactions of similar company sales
in 2022,
the value of MG FINANCES is estimated at
557 177 €
(range 195 698€ - 1 059 739€).
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 MG FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MG FINANCES in 2022 is 446 k€.
Yes, MG FINANCES generated a net profit of 255 k€ in 2022.
The headquarters of MG FINANCES is located in VANNES (56000), in the department Morbihan.
The tax return of MG 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).
MG 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.