SIREN : 752317487
MY FINANCES is a French company founded 13 years ago, specialized in the sector Autres activités de soutien aux entreprises n.c.a.. Based in PERPIGNAN (66000), this company of category PME shows in 2025 a revenue of 125 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 125 095 € | 123 806 € | 116 988 € | 114 673 € | 109 829 € | 111 410 € | 61 654 € | N/C |
| Net income | 27 855 € | 64 428 € | 48 053 € | -17 636 € | 57 202 € | -115 785 € | 691 434 € | 11 973 397 € |
| EBITDA | 10 929 € | 21 443 € | 5 132 € | 9 220 € | 14 238 € | -105 747 € | -376 927 € | N/C |
| Net margin | 22.3% | 52.0% | 41.1% | -15.4% | 52.1% | -103.9% | 1121.5% | N/C |
In 2025, MY FINANCES achieves revenue of 125 k€. Over the period 2018-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +10.6%. Vs 2024: +1%. After deducting consumption (0 €), gross margin stands at 125 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 11 k€, representing 8.7% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -49%, reducing margin by 8.6 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 28 k€, i.e. 22.3% of revenue. This profit can be retained or distributed to shareholders.
125 095 €
125 095 €
10 929 €
-36 610 €
27 855 €
8.7%
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 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 54.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
3.318%
95.166%
54.111%
2.013
88.6%
In 2025, the debt ratio of MY FINANCES (3.32) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of MY FINANCES (95.2%) 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 2025, the repayment capacity of MY FINANCES (2.01) 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 930.67. 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 12.6x. Operating income very largely covers interest expenses: high safety margin.
930.668
12.609
In 2025, the liquidity ratio of MY FINANCES (930.67) 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 2025, the interest coverage of MY FINANCES (12.6x) 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: 84 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 132 days. Excellent situation: suppliers finance 48 days of the operating cycle (retail model). Overall, WCR represents 274 days of revenue, i.e. 95 k€ to permanently finance.
95 225 €
84 j
132 j
0 j
274 j
Based on 131 transactions of similar company sales (all years), the value of MY FINANCES is estimated at 58 353 € (range 20 167€ - 125 265€). With an EBITDA of 10 929€, the sector multiple of 4.8x is applied. The price/revenue ratio is 0.36x (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.
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This estimate is based on the analysis of 131 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 MY FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Autres activités de soutien aux entreprises n.c.a.
The revenue of MY FINANCES in 2025 is 125 k€.
Yes, MY FINANCES generated a net profit of 28 k€ in 2025.
The headquarters of MY FINANCES is located in PERPIGNAN (66000), in the department Pyrenees-Orientales.
The tax return of MY 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).
MY FINANCES operates in the sector Autres activités de soutien aux entreprises n.c.a. (NAF code 82.99Z). See the 'Sector positioning' section above to compare the company with its competitors.