SIREN : 478885726
MM FINANCES is a French company founded 21 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-LOUIS (68300), this company of category PME shows in 2019 a revenue of 395 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 394 566 € | 355 465 € | 363 175 € | 352 834 € |
| Net income | 231 300 € | 502 278 € | 203 803 € | 43 827 € |
| EBITDA | 117 917 € | 119 229 € | 169 522 € | 170 235 € |
| Net margin | 58.6% | 141.3% | 56.1% | 12.4% |
In 2019, MM FINANCES achieves revenue of 395 k€. Revenue is growing positively over 4 years (CAGR: +3.8%). Vs 2018, growth of +11% (355 k€ -> 395 k€). After deducting consumption (0 €), gross margin stands at 395 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 118 k€, representing 29.9% of revenue. Warning negative scissor effect: despite revenue change (+11%), EBITDA varies by -1%, reducing margin by 3.7 pts. This reflects costs rising faster than 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 231 k€, i.e. 58.6% of revenue. This profit can be retained or distributed to shareholders.
394 566 €
394 566 €
117 917 €
60 682 €
231 300 €
29.9%
The debt ratio (= Financial debt / Equity x 100) stands at 76%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 4.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 82.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
76.086%
49.728%
82.06%
4.116
49.8%
In 2019, the debt ratio of MM FINANCES (76.09) 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 2019, the financial autonomy of MM FINANCES (49.7%) 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 2019, the repayment capacity of MM FINANCES (4.12) 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 2141.31. 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 99.6x. Operating income very largely covers interest expenses: high safety margin.
2141.311
99.595
In 2019, the liquidity ratio of MM FINANCES (2141.31) 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.
In 2019, the interest coverage of MM FINANCES (99.6x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 144 days. Excellent situation: suppliers finance 144 days of the operating cycle (retail model). Overall, WCR represents 475 days of revenue, i.e. 520 k€ to permanently finance. Over 2016-2019, WCR increased by +1962%, requiring additional financing.
520 160 €
0 j
144 j
0 j
475 j
Based on 72 transactions of similar company sales
in 2019,
the value of MM FINANCES is estimated at
764 530 €
(range 282 634€ - 1 387 013€).
With an EBITDA of 117 917€, the sector multiple of 5.7x is applied.
The price/revenue ratio is 0.66x
(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.
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This estimate is based on the analysis of 72 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 MM FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MM FINANCES in 2019 is 395 k€.
Yes, MM FINANCES generated a net profit of 231 k€ in 2019.
The headquarters of MM FINANCES is located in SAINT-LOUIS (68300), in the department Haut-Rhin.
The tax return of MM 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).
MM 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.