SIREN : 493256234
MS FINANCES is a French company founded 19 years ago, specialized in the sector Activités des sociétés holding. Based in BESANCON (25000), this company of category PME shows in 2024 a revenue of 1.2 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 201 883 € | 1 200 472 € | 1 114 475 € | 845 282 € | 745 038 € | 696 272 € | 613 105 € | 608 380 € | 616 213 € |
| Net income | -1 593 599 € | 2 288 € | 52 813 € | 464 € | 2 483 € | -17 139 € | 85 208 € | 193 499 € | 36 614 € |
| EBITDA | 107 367 € | 78 133 € | 231 018 € | 150 917 € | 129 542 € | -60 495 € | 132 885 € | 204 749 € | 240 771 € |
| Net margin | -132.6% | 0.2% | 4.7% | 0.1% | 0.3% | -2.5% | 13.9% | 31.8% | 5.9% |
In 2024, MS FINANCES achieves revenue of 1.2 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +8.7%. Vs 2023: +0%. After deducting consumption (0 €), gross margin stands at 1.2 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 107 k€, representing 8.9% of revenue. Positive scissor effect: EBITDA margin improves by +2.4 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Net income is negative at -1.6 M€ (-132.6% of revenue), which will impact equity.
1 201 883 €
1 201 883 €
107 367 €
58 266 €
-1 593 599 €
8.9%
The debt ratio (= Financial debt / Equity x 100) stands at 454%. 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 17%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 32.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 9.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
453.724%
16.55%
9.538%
32.239
43.0%
In 2024, the debt ratio of MS FINANCES (453.72) 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 2024, the financial autonomy of MS FINANCES (16.6%) 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 2024, the repayment capacity of MS FINANCES (32.24) 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 174.06. 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 136.4x. Operating income very largely covers interest expenses: high safety margin.
174.055
136.404
In 2024, the liquidity ratio of MS FINANCES (174.06) 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 2024, the interest coverage of MS FINANCES (136.4x) 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: 36 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 61 days. Favorable situation: supplier credit is longer than customer credit by 25 days. Overall, WCR represents 133 days of revenue, i.e. 442 k€ to permanently finance. Over 2016-2024, WCR increased by +778%, requiring additional financing.
442 401 €
36 j
61 j
0 j
133 j
Based on 54 transactions of similar company sales
in 2024,
the value of MS FINANCES is estimated at
589 869 €
(range 220 020€ - 874 686€).
With an EBITDA of 107 367€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 MS FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MS FINANCES in 2024 is 1.2 M€.
MS FINANCES recorded a net loss in 2024.
The headquarters of MS FINANCES is located in BESANCON (25000), in the department Doubs.
The tax return of MS 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).
MS 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.