SIREN : 512936626
M.S FINANCE is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in ANNECY (74000), this company of category PME shows in 2025 a revenue of 1.7 M€. 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 680 639 € | 1 866 370 € | 1 780 672 € | N/C | 1 317 099 € | 1 289 538 € | N/C | 1 306 734 € | 1 068 348 € |
| Net income | 2 120 253 € | 1 429 651 € | 1 663 693 € | 1 165 293 € | 94 127 € | 559 258 € | 596 990 € | 763 791 € | 53 887 € |
| EBITDA | 763 815 € | 242 848 € | 218 522 € | N/C | 161 868 € | 142 044 € | N/C | 184 249 € | 118 740 € |
| Net margin | 126.2% | 76.6% | 93.4% | N/C | 7.1% | 43.4% | N/C | 58.5% | 5.0% |
In 2025, M.S FINANCE achieves revenue of 1.7 M€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +5.8%. Slight decline of -10% vs 2024. After deducting consumption (0 €), gross margin stands at 1.7 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 764 k€, representing 45.4% of revenue. Positive scissor effect: EBITDA margin improves by +32.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 2.1 M€, i.e. 126.2% of revenue. This profit can be retained or distributed to shareholders.
1 680 639 €
1 680 639 €
763 815 €
731 516 €
2 120 253 €
45.4%
The debt ratio (= Financial debt / Equity x 100) stands at 82%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 117.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
82.007%
50.611%
117.87%
1.291
67.3%
In 2025, the debt ratio of M.S FINANCE (82.01) 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 2025, the financial autonomy of M.S FINANCE (50.6%) 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 2025, the repayment capacity of M.S FINANCE (1.29) 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 868.00. 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 13.5x. Operating income very largely covers interest expenses: high safety margin.
868.0
13.518
In 2025, the liquidity ratio of M.S FINANCE (868.00) 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 2025, the interest coverage of M.S FINANCE (13.5x) 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: 243 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 9 days. The gap of 234 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 312 days of revenue, i.e. 1.5 M€ to permanently finance. Over 2017-2025, WCR increased by +479%, requiring additional financing.
1 455 097 €
243 j
9 j
0 j
312 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 832 034€ to 11 685 254€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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.S FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of M.S FINANCE in 2025 is 1.7 M€.
Yes, M.S FINANCE generated a net profit of 2.1 M€ in 2025.
The headquarters of M.S FINANCE is located in ANNECY (74000), in the department Haute-Savoie.
The tax return of M.S FINANCE 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.S FINANCE 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.