SIREN : 453923369
FINANCIERE JT is a French company founded 21 years ago, specialized in the sector Activités des sociétés holding. Based in MONTAUBAN (82000), this company of category ETI shows in 2024 a revenue of 1.3 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 284 677 € | 1 217 341 € | 932 571 € | 779 903 € | 765 977 € | 765 934 € | 673 669 € | 490 192 € | 486 213 € |
| Net income | 154 255 € | 64 135 € | 107 244 € | 30 926 € | 131 679 € | 41 334 € | 25 784 € | 39 458 € | 8 996 € |
| EBITDA | 56 268 € | 56 270 € | 31 338 € | 33 069 € | 44 560 € | 68 477 € | 47 673 € | 56 875 € | 38 890 € |
| Net margin | 12.0% | 5.3% | 11.5% | 4.0% | 17.2% | 5.4% | 3.8% | 8.0% | 1.9% |
In 2024, FINANCIERE JT achieves revenue of 1.3 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +12.9%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 1.3 M€, 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 4.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 154 k€, i.e. 12.0% of revenue. This profit can be retained or distributed to shareholders.
1 284 677 €
1 284 677 €
56 268 €
43 476 €
154 255 €
4.4%
The debt ratio (= Financial debt / Equity x 100) stands at 16%. 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 84%. 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 5.5 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 13.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
16.148%
83.748%
13.003%
5.537
74.8%
In 2024, the debt ratio of FINANCIERE JT (16.15) 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 JT (83.8%) 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 FINANCIERE JT (5.54) 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 598.72. 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 1.0x. Danger: operating income does not cover interest charges, unsustainable situation.
598.718
0.951
In 2024, the liquidity ratio of FINANCIERE JT (598.72) 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 FINANCIERE JT (0.9x) 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: 17 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 28 days. Favorable situation: supplier credit is longer than customer credit by 11 days. Overall, WCR represents 11 days of revenue, i.e. 40 k€ to permanently finance. Notable WCR improvement over the period (-93%), freeing up cash.
39 812 €
17 j
28 j
0 j
11 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE JT is estimated at
408 007 €
(range 192 926€ - 734 624€).
With an EBITDA of 56 268€, the sector multiple of 4.8x is applied.
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 JT with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE JT in 2024 is 1.3 M€.
Yes, FINANCIERE JT generated a net profit of 154 k€ in 2024.
The headquarters of FINANCIERE JT is located in MONTAUBAN (82000), in the department Tarn-et-Garonne.
The tax return of FINANCIERE JT 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 JT 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.