SIREN : 352817167
M.V. FINANCES is a French company founded 36 years ago, specialized in the sector Services administratifs combinés de bureau. Based in LORIOL-SUR-DROME (26270), this company of category PME shows in 2024 a revenue of 172 k€. 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 | 171 700 € | 201 720 € | 185 200 € | 258 675 € | 212 335 € | 214 459 € | 277 327 € | 308 097 € | 305 597 € |
| Net income | -198 751 € | -1 088 407 € | -346 762 € | 1 097 118 € | -571 168 € | -1 459 708 € | -747 640 € | 131 205 € | -565 098 € |
| EBITDA | -149 690 € | -123 734 € | -94 955 € | -5 501 € | -45 648 € | -67 719 € | -103 089 € | -15 148 € | -11 669 € |
| Net margin | -115.8% | -539.6% | -187.2% | 424.1% | -269.0% | -680.6% | -269.6% | 42.6% | -184.9% |
In 2024, M.V. FINANCES achieves revenue of 172 k€. Revenue is declining over the period 2016-2024 (CAGR: -7.0%). Significant drop of -15% vs 2023. After deducting consumption (0 €), gross margin stands at 172 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 -150 k€, representing -87.2% of revenue. Warning negative scissor effect: despite revenue change (-15%), EBITDA varies by -21%, reducing margin by 25.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -199 k€ (-115.8% of revenue), which will impact equity.
171 700 €
171 700 €
-149 690 €
-156 733 €
-198 751 €
-87.2%
The debt ratio (= Financial debt / Equity x 100) stands at 3%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 95%. 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 0.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 206.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
3.466%
95.365%
206.102%
0.697
66.1%
In 2024, the debt ratio of M.V. FINANCES (3.47) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of M.V. FINANCES (95.4%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of M.V. FINANCES (0.70) 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 3753.24. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
3753.238
-402.323
In 2024, the liquidity ratio of M.V. FINANCES (3753.24) 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.V. FINANCES (-402.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 457 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 112 days. The gap of 345 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 1632 days of revenue, i.e. 778 k€ to permanently finance. Over 2016-2024, WCR increased by +8231%, requiring additional financing.
778 323 €
457 j
112 j
0 j
1632 j
Based on 173 transactions of similar company sales (all years), the value of M.V. FINANCES is estimated at 66 001 € (range 27 636€ - 149 082€). The price/revenue ratio is 0.38x (conservative valuation). 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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 173 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.V. FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Services administratifs combinés de bureau
The revenue of M.V. FINANCES in 2024 is 172 k€.
M.V. FINANCES recorded a net loss in 2024.
The headquarters of M.V. FINANCES is located in LORIOL-SUR-DROME (26270), in the department Drome.
The tax return of M.V. 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).
M.V. FINANCES operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.