Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

EJ FINANCES : revenue, balance sheet and financial ratios

EJ FINANCES is a French company founded 7 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in PLERIN (22190), this company of category PME shows in 2025 a net income positive of 40 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

Financial history - EJ FINANCES (SIREN 844285262)
Indicator 2025 2024 2023
Revenue N/C N/C N/C
Net income 40 053 € 39 885 € 32 264 €
EBITDA -185 € -99 € -710 €
Net margin N/C N/C N/C

Revenue and income statement

In 2025, EJ FINANCES generates positive net income of 40 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2023-2025: 32 k€ -> 40 k€.

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-185 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-185 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

40 053 €

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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 67%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. 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 2.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

67.264%

Financial autonomy (2025) ?
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

59.786%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

2.915

Solvency indicators evolution
EJ FINANCES

Sector positioning

Debt ratio
67.26 2025
2023
2024
2025
Q1: 0.14
Med: 27.24
Q3: 146.28
Average -17 pts over 3 years

In 2025, the debt ratio of EJ FINANCES (67.26) 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
59.79% 2025
2023
2024
2025
Q1: 17.38%
Med: 54.75%
Q3: 87.41%
Good +17 pts over 3 years

In 2025, the financial autonomy of EJ FINANCES (59.8%) 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.

Repayment capacity
2.92 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.77 years
Q3: 6.12 years
Average -15 pts over 3 years

In 2025, the repayment capacity of EJ FINANCES (2.92) 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

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-932.432

Liquidity indicators evolution
EJ FINANCES

Sector positioning

Interest coverage
-932.43x 2025
2023
2024
2025
Q1: -191.54x
Med: -25.42x
Q3: 0.0x
Average

In 2025, the interest coverage of EJ FINANCES (-932.4x) 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.

Positioning of EJ FINANCES in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Based on 170 transactions of similar company sales (all years), the value of EJ FINANCES is estimated at 415 221 € (range 257 376€ - 645 800€). 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.

Estimated enterprise value 2025
170 transactions
257k€ 415k€ 645k€
415 221 € Range: 257 376€ - 645 800€
NAF 5 all-time

Valuation method used

Net Income Multiple
40 053 € × 10.4x = 415 222 €
Range: 257 377€ - 645 800€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 170 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Fonds de placement et entités financières similaires)

Compare EJ FINANCES with other companies in the same sector:

Frequently asked questions about EJ FINANCES

What is the revenue of EJ FINANCES ?

The revenue of EJ FINANCES is not publicly disclosed (confidential accounts filed with INPI).

Is EJ FINANCES profitable?

Yes, EJ FINANCES generated a net profit of 40 k€ in 2025.

Where is the headquarters of EJ FINANCES ?

The headquarters of EJ FINANCES is located in PLERIN (22190), in the department Cotes-d'Armor.

Where to find the tax return of EJ FINANCES ?

The tax return of EJ 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).

In which sector does EJ FINANCES operate?

EJ FINANCES operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.