SIREN : 481550838
M.M.E.L. INVEST is a French company founded 21 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in PARIS (75009), this company of category PME shows in 2024 a revenue of 69 k€. 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 69 307 € | 75 600 € | 80 806 € | 43 656 € | 72 517 € | 54 547 € | 57 876 € | 52 735 € | 89 737 € |
| Net income | 13 427 € | 2 104 € | -969 € | -5 472 € | 19 415 € | -5 180 € | 6 442 € | 475 € | 68 056 € |
| EBITDA | 3 206 € | -1 673 € | -3 792 € | -16 865 € | 14 013 € | 457 € | 1 054 € | -740 € | 24 485 € |
| Net margin | 19.4% | 2.8% | -1.2% | -12.5% | 26.8% | -9.5% | 11.1% | 0.9% | 75.8% |
In 2024, M.M.E.L. INVEST achieves revenue of 69 k€. Activity remains stable over the period (CAGR: -3.2%). Slight decline of -8% vs 2023. After deducting consumption (0 €), gross margin stands at 69 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 3 k€, representing 4.6% of revenue. Positive scissor effect: EBITDA margin improves by +6.8 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 13 k€, i.e. 19.4% of revenue. This profit can be retained or distributed to shareholders.
69 307 €
69 307 €
3 206 €
3 206 €
13 427 €
4.6%
The debt ratio (= Financial debt / Equity x 100) stands at 179%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 27.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 19.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
179.2%
35.148%
19.373%
27.351
In 2024, the debt ratio of M.M.E.L. INVEST (179.20) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of M.M.E.L. INVEST (35.1%) 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 2024, the repayment capacity of M.M.E.L. INVEST (27.35) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 3410.49. 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 347.6x. Operating income very largely covers interest expenses: high safety margin.
3410.485
347.629
In 2024, the liquidity ratio of M.M.E.L. INVEST (3410.49) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of M.M.E.L. INVEST (347.6x) 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: 156 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 248 days. Excellent situation: suppliers finance 92 days of the operating cycle (retail model). Overall, WCR represents 1908 days of revenue, i.e. 367 k€ to permanently finance. Over 2016-2024, WCR increased by +508%, requiring additional financing.
367 267 €
156 j
248 j
0 j
1908 j
Based on 193 transactions of similar company sales (all years), the value of M.M.E.L. INVEST is estimated at 27 772 € (range 8 754€ - 72 573€). With an EBITDA of 3 206€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare M.M.E.L. INVEST with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of M.M.E.L. INVEST in 2024 is 69 k€.
Yes, M.M.E.L. INVEST generated a net profit of 13 k€ in 2024.
The headquarters of M.M.E.L. INVEST is located in PARIS (75009), in the department Paris.
The tax return of M.M.E.L. INVEST 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).
M.M.E.L. INVEST 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.