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CABINET NJA : revenue, balance sheet and financial ratios

CABINET NJA is a French company founded 27 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in COURBEVOIE (92400), this company of category PME shows in 2016 a revenue of 712 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

Financial history - CABINET NJA (SIREN 421025420)
Indicator 2020 2019 2016
Revenue N/C N/C 712 086 €
Net income 0 € 0 € 6 964 €
EBITDA N/C N/C 6 707 €
Net margin N/C N/C 1.0%

Revenue and income statement

In 2020, CABINET NJA records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 30%. 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 22%. The balance between equity and debt is satisfactory.

Debt ratio (2020) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

29.741%

Financial autonomy (2020) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

21.99%

Asset age ratio (2020) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

30.2%

Solvency indicators evolution
CABINET NJA

Sector positioning

Debt ratio
29.74 2020
2016
2019
2020
Q1: 0.05
Med: 14.85
Q3: 75.1
Average

In 2020, the debt ratio of CABINET NJA (29.74) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
21.99% 2020
2016
2019
2020
Q1: 17.11%
Med: 45.63%
Q3: 71.56%
Average

In 2020, the financial autonomy of CABINET NJA (22.0%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
3.64 years 2016
2016
Q1: 0.0 years
Med: 0.02 years
Q3: 1.56 years
Average

In 2016, the repayment capacity of CABINET NJA (3.64) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 31.36. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2020) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

31.362

Liquidity indicators evolution
CABINET NJA

Sector positioning

Liquidity ratio
31.36 2020
2016
2019
2020
Q1: 121.74
Med: 223.76
Q3: 459.53
Watch +7 pts over 3 years

In 2020, the liquidity ratio of CABINET NJA (31.36) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.

Interest coverage
44.34x 2016
2016
Q1: 0.0x
Med: 0.0x
Q3: 3.01x
Excellent

In 2016, the interest coverage of CABINET NJA (44.3x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2020) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2020) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2020) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2020) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
CABINET NJA

Positioning of CABINET NJA in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Similar companies (Activités des agents et courtiers d'assurances)

Compare CABINET NJA with other companies in the same sector:

Frequently asked questions about CABINET NJA

What is the revenue of CABINET NJA ?

The revenue of CABINET NJA in 2016 is 712 k€.

Is CABINET NJA profitable?

Yes, CABINET NJA generated a net profit of 7 k€ in 2016.

Where is the headquarters of CABINET NJA ?

The headquarters of CABINET NJA is located in COURBEVOIE (92400), in the department Hauts-de-Seine.

Where to find the tax return of CABINET NJA ?

The tax return of CABINET NJA 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).

In which sector does CABINET NJA operate?

CABINET NJA operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.