SIREN : 452746647
MULTI FINANCES is a French company founded 22 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-BERTHEVIN (53940), this company of category PME shows in 2024 a revenue of 3.3 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 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 3 268 535 € | 3 684 950 € | 3 768 608 € | 3 159 132 € | 3 019 004 € | 2 808 652 € | 3 348 736 € | 2 377 887 € |
| Net income | -172 581 € | -682 406 € | -42 397 € | 50 517 € | -550 316 € | 63 682 € | 436 507 € | 224 215 € |
| EBITDA | 431 845 € | 661 650 € | 433 366 € | 419 012 € | 381 692 € | 356 970 € | 450 149 € | 342 742 € |
| Net margin | -5.3% | -18.5% | -1.1% | 1.6% | -18.2% | 2.3% | 13.0% | 9.4% |
In 2024, MULTI FINANCES achieves revenue of 3.3 M€. Revenue is growing positively over 8 years (CAGR: +4.1%). Significant drop of -11% vs 2023. After deducting consumption (0 €), gross margin stands at 3.3 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 432 k€, representing 13.2% of revenue. Warning negative scissor effect: despite revenue change (-11%), EBITDA varies by -35%, reducing margin by 4.7 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Net income is negative at -173 k€ (-5.3% of revenue), which will impact equity.
3 268 535 €
3 268 535 €
431 845 €
359 334 €
-172 581 €
13.2%
The debt ratio (= Financial debt / Equity x 100) stands at 771%. 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 3%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
771.245%
2.711%
-2.716%
-24.414
34.2%
In 2024, the debt ratio of MULTI FINANCES (771.25) 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 MULTI FINANCES (2.7%) 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 2024, the repayment capacity of MULTI FINANCES (-24.41) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 95.34. 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 5.7x. Operating income very largely covers interest expenses: high safety margin.
95.338
5.715
In 2024, the liquidity ratio of MULTI FINANCES (95.34) 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 MULTI FINANCES (5.7x) 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: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 78 days. Excellent situation: suppliers finance 47 days of the operating cycle (retail model). WCR is negative (-37 days): operations structurally generate cash. Notable WCR improvement over the period (-113%), freeing up cash.
-340 124 €
31 j
78 j
0 j
-37 j
Based on 54 transactions of similar company sales
in 2024,
the value of MULTI FINANCES is estimated at
2 026 868 €
(range 669 902€ - 3 107 174€).
With an EBITDA of 431 845€, 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.
Ajustez les pondérations selon votre analyse
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 MULTI FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of MULTI FINANCES in 2024 is 3.3 M€.
MULTI FINANCES recorded a net loss in 2024.
The headquarters of MULTI FINANCES is located in SAINT-BERTHEVIN (53940), in the department Mayenne.
The tax return of MULTI 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).
MULTI 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.