SIREN : 821428612
NSM FINANCES is a French company founded 9 years ago, specialized in the sector Activités des sociétés holding. Based in VICHY (03200), this company of category PME shows in 2024 a revenue of 63 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 62 511 € | 138 665 € | 188 647 € | 163 145 € | 30 522 € | 37 542 € | 35 294 € | 300 000 € |
| Net income | 42 256 € | 260 556 € | 481 092 € | 381 457 € | 141 414 € | 189 128 € | 258 333 € | 190 437 € |
| EBITDA | -118 524 € | -23 380 € | -794 € | -9 465 € | -9 529 € | -7 569 € | -7 840 € | 142 745 € |
| Net margin | 67.6% | 187.9% | 255.0% | 233.8% | 463.3% | 503.8% | 731.9% | 63.5% |
In 2024, NSM FINANCES achieves revenue of 63 k€. Revenue is declining over the period 2017-2024 (CAGR: -20.1%). Significant drop of -55% vs 2023. After deducting consumption (33 k€), gross margin stands at 30 k€, i.e. a rate of 48%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -119 k€, representing -189.6% of revenue. Warning negative scissor effect: despite revenue change (-55%), EBITDA varies by -407%, reducing margin by 172.7 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 42 k€, i.e. 67.6% of revenue. This profit can be retained or distributed to shareholders.
62 511 €
29 785 €
-118 524 €
-117 577 €
42 256 €
-189.6%
The debt ratio (= Financial debt / Equity x 100) stands at 759%. 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 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 32.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 66.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
759.413%
11.288%
66.081%
32.887
82.1%
In 2024, the debt ratio of NSM FINANCES (759.41) 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 NSM FINANCES (11.3%) 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 NSM FINANCES (32.89) 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 277.12. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
277.124
-67.005
In 2024, the liquidity ratio of NSM FINANCES (277.12) 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 NSM FINANCES (-67.0x) 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: 579 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 70 days. The gap of 509 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 75 days (= Average inventory / Cost of goods x 360). Overall, WCR represents 9511 days of revenue, i.e. 1.7 M€ to permanently finance. Over 2017-2024, WCR increased by +4939%, requiring additional financing.
1 651 503 €
579 j
70 j
75 j
9511 j
Based on 54 transactions of similar company sales
in 2024,
the value of NSM FINANCES is estimated at
46 759 €
(range 29 476€ - 152 487€).
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 NSM FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of NSM FINANCES in 2024 is 63 k€.
Yes, NSM FINANCES generated a net profit of 42 k€ in 2024.
The headquarters of NSM FINANCES is located in VICHY (03200), in the department Allier.
The tax return of NSM 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).
NSM 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.