SIREN : 439435611
SNM FINANCES is a French company founded 24 years ago, specialized in the sector Gestion de fonds. Based in LA GARNACHE (85710), this company of category PME shows in 2024 a revenue of 202 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 201 996 € | 199 797 € | 158 379 € | 169 077 € | 149 314 € | 107 033 € | 88 403 € | 84 000 € | N/C |
| Net income | 36 523 € | 34 452 € | 27 431 € | 89 071 € | 196 006 € | 82 821 € | 77 440 € | 51 716 € | 43 294 € |
| EBITDA | 56 315 € | 68 066 € | 40 876 € | 37 747 € | 51 322 € | 7 786 € | -1 345 € | -2 406 € | N/C |
| Net margin | 18.1% | 17.2% | 17.3% | 52.7% | 131.3% | 77.4% | 87.6% | 61.6% | N/C |
In 2024, SNM FINANCES achieves revenue of 202 k€. Over the period 2017-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +13.4%. Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 202 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 56 k€, representing 27.9% of revenue. Warning negative scissor effect: despite revenue change (+1%), EBITDA varies by -17%, reducing margin by 6.2 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 37 k€, i.e. 18.1% of revenue. This profit can be retained or distributed to shareholders.
201 996 €
201 996 €
56 315 €
46 313 €
36 523 €
27.9%
The debt ratio (= Financial debt / Equity x 100) stands at 98%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 50%. 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 24.7 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 23.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
98.11%
49.832%
23.032%
24.68
85.8%
In 2024, the debt ratio of SNM FINANCES (98.11) 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 SNM FINANCES (49.8%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of SNM FINANCES (24.68) 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 4546.47. 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 101.0x. Operating income very largely covers interest expenses: high safety margin.
4546.469
101.012
In 2024, the liquidity ratio of SNM FINANCES (4546.47) 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 SNM FINANCES (101.0x) 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: 137 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 153 days. Favorable situation: supplier credit is longer than customer credit by 16 days. Overall, WCR represents 555 days of revenue, i.e. 311 k€ to permanently finance.
311 448 €
137 j
153 j
0 j
555 j
Based on 62 transactions of similar company sales
in 2024,
the value of SNM FINANCES is estimated at
207 529 €
(range 66 890€ - 462 439€).
With an EBITDA of 56 315€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
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This estimate is based on the analysis of 62 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 SNM FINANCES with other companies in the same sector:
The revenue of SNM FINANCES in 2024 is 202 k€.
Yes, SNM FINANCES generated a net profit of 37 k€ in 2024.
The headquarters of SNM FINANCES is located in LA GARNACHE (85710), in the department Vendee.
The tax return of SNM 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).
SNM FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.