MONNAIE FINANCES - EMONNAIES : revenue, balance sheet and financial ratios

MONNAIE FINANCES - EMONNAIES is a French company founded 24 years ago, specialized in the sector Vente à distance sur catalogue spécialisé. Based in SAINTE-FOY (85150), this company of category PME shows in 2020 a revenue of 2.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - MONNAIE FINANCES - EMONNAIES (SIREN 439556549)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018 2017
Revenue N/C N/C N/C N/C N/C 2 297 036 € 2 254 080 € 1 860 726 € 1 672 062 €
Net income 26 550 € 17 122 € 3 761 € 9 834 € 48 753 € 33 672 € 21 937 € 423 € 336 367 €
EBITDA N/C N/C N/C N/C N/C 34 605 € 25 501 € -14 570 € -33 235 €
Net margin N/C N/C N/C N/C N/C 1.5% 1.0% 0.0% 20.1%

Revenue and income statement

In 2025, MONNAIE FINANCES - EMONNAIES generates positive net income of 27 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2017-2025: 336 k€ -> 27 k€.

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

26 550 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 83%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

82.773%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

34.336%

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

6.6%

Solvency indicators evolution
MONNAIE FINANCES - EMONNAIES

Sector positioning

Debt ratio
82.77 2025
2023
2024
2025
Q1: 0.0
Med: 7.11
Q3: 47.58
Watch

In 2025, the debt ratio of MONNAIE FINANCES - EMONNAIES (82.77) 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.

Financial autonomy
34.34% 2025
2023
2024
2025
Q1: 0.0%
Med: 22.75%
Q3: 56.26%
Good -6 pts over 3 years

In 2025, the financial autonomy of MONNAIE FINANCES - EMONNAIES (34.3%) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 237.90. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

237.899

Liquidity indicators evolution
MONNAIE FINANCES - EMONNAIES

Sector positioning

Liquidity ratio
237.9 2025
2023
2024
2025
Q1: 114.18
Med: 230.1
Q3: 423.6
Good -8 pts over 3 years

In 2025, the liquidity ratio of MONNAIE FINANCES - EMONNAIES (237.90) 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.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
MONNAIE FINANCES - EMONNAIES

Positioning of MONNAIE FINANCES - EMONNAIES in its sector

Comparison with sector Vente à distance sur catalogue spécialisé

Valuation estimate

Based on 121 transactions of similar company sales (all years), the value of MONNAIE FINANCES - EMONNAIES is estimated at 99 762 € (range 32 548€ - 269 354€). 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.

Estimated enterprise value 2025
121 transactions
32k€ 99k€ 269k€
99 762 € Range: 32 548€ - 269 354€
NAF 5 all-time

Valuation method used

Net Income Multiple
26 550 € × 3.8x = 99 763 €
Range: 32 548€ - 269 354€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 121 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Vente à distance sur catalogue spécialisé)

Compare MONNAIE FINANCES - EMONNAIES with other companies in the same sector:

Voir toutes les statistiques du secteur Vente à distance sur catalogue spécialisé

Frequently asked questions about MONNAIE FINANCES - EMONNAIES

What is the revenue of MONNAIE FINANCES - EMONNAIES ?

The revenue of MONNAIE FINANCES - EMONNAIES in 2020 is 2.3 M€.

Is MONNAIE FINANCES - EMONNAIES profitable?

Yes, MONNAIE FINANCES - EMONNAIES generated a net profit of 27 k€ in 2025.

Where is the headquarters of MONNAIE FINANCES - EMONNAIES ?

The headquarters of MONNAIE FINANCES - EMONNAIES is located in SAINTE-FOY (85150), in the department Vendee.

Where to find the tax return of MONNAIE FINANCES - EMONNAIES ?

The tax return of MONNAIE FINANCES - EMONNAIES 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).

In which sector does MONNAIE FINANCES - EMONNAIES operate?

MONNAIE FINANCES - EMONNAIES operates in the sector Vente à distance sur catalogue spécialisé (NAF code 47.91B). See the 'Sector positioning' section above to compare the company with its competitors.