SIREN : 388892010
FINANCIERE JOUBERT is a French company founded 33 years ago, specialized in the sector Activités des sociétés holding. Based in AMBERT (63600), this company of category PME shows in 2024 a revenue of 605 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 | 2017 |
|---|---|---|---|---|---|
| Revenue | 605 031 € | 778 643 € | 955 179 € | 514 615 € | 791 257 € |
| Net income | 67 164 € | 615 202 € | 2 739 431 € | 823 446 € | 1 259 037 € |
| EBITDA | -128 076 € | -409 917 € | 16 181 € | -347 114 € | 24 957 € |
| Net margin | 11.1% | 79.0% | 286.8% | 160.0% | 159.1% |
In 2024, FINANCIERE JOUBERT achieves revenue of 605 k€. Activity remains stable over the period (CAGR: -3.8%). Significant drop of -22% vs 2023. After deducting consumption (0 €), gross margin stands at 605 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 -128 k€, representing -21.2% of revenue. Positive scissor effect: EBITDA margin improves by +31.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 67 k€, i.e. 11.1% of revenue. This profit can be retained or distributed to shareholders.
605 031 €
605 031 €
-128 076 €
-91 299 €
67 164 €
-21.2%
The debt ratio (= Financial debt / Equity x 100) stands at 253%. 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 27%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 597.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 5.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
253.499%
27.082%
5.022%
597.359
2.1%
In 2024, the debt ratio of FINANCIERE JOUBERT (253.50) 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 FINANCIERE JOUBERT (27.1%) 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 FINANCIERE JOUBERT (597.36) 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 1566.52. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1566.524
-536.85
In 2024, the liquidity ratio of FINANCIERE JOUBERT (1566.52) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.
In 2024, the interest coverage of FINANCIERE JOUBERT (-536.9x) 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: 159 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 537 days. Excellent situation: suppliers finance 378 days of the operating cycle (retail model). Overall, WCR represents 9924 days of revenue, i.e. 16.7 M€ to permanently finance. Over 2017-2024, WCR increased by +143%, requiring additional financing.
16 678 629 €
159 j
537 j
0 j
9924 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE JOUBERT is estimated at
252 957 €
(range 157 985€ - 454 735€).
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 FINANCIERE JOUBERT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE JOUBERT in 2024 is 605 k€.
Yes, FINANCIERE JOUBERT generated a net profit of 67 k€ in 2024.
The headquarters of FINANCIERE JOUBERT is located in AMBERT (63600), in the department Puy-de-Dome.
The tax return of FINANCIERE JOUBERT 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).
FINANCIERE JOUBERT 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.