SIREN : 483158960
FINANCIERE PJC is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in BANDOL (83150), this company of category PME shows in 2024 a revenue of 83 k€. 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 | 83 313 € | 24 059 € | 26 041 € | 38 402 € | 54 904 € | 45 580 € | 38 092 € | 21 768 € | 20 639 € |
| Net income | 971 016 € | -93 548 € | 207 136 € | 822 479 € | 2 829 360 € | 1 458 661 € | -1 149 415 € | -690 621 € | -169 510 € |
| EBITDA | 14 043 € | -37 748 € | -59 626 € | -152 491 € | -141 572 € | -207 868 € | -442 686 € | -307 973 € | -345 679 € |
| Net margin | 1165.5% | -388.8% | 795.4% | 2141.8% | 5153.3% | 3200.2% | -3017.5% | -3172.6% | -821.3% |
In 2024, FINANCIERE PJC achieves revenue of 83 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +19.1%. Vs 2023, growth of +246% (24 k€ -> 83 k€). After deducting consumption (0 €), gross margin stands at 83 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 14 k€, representing 16.9% of revenue. Positive scissor effect: EBITDA margin improves by +173.8 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 971 k€, i.e. 1165.5% of revenue. This profit can be retained or distributed to shareholders.
83 313 €
83 313 €
14 043 €
-18 049 €
971 016 €
16.9%
The debt ratio (= Financial debt / Equity x 100) stands at 5%. 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 93%. 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 7.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 55.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
4.759%
92.933%
55.63%
7.576
20.5%
In 2024, the debt ratio of FINANCIERE PJC (4.76) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of FINANCIERE PJC (92.9%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2024, the repayment capacity of FINANCIERE PJC (7.58) 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 2079.38. 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 508.4x. Operating income very largely covers interest expenses: high safety margin.
2079.377
508.417
In 2024, the liquidity ratio of FINANCIERE PJC (2079.38) 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 PJC (508.4x) 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: 360 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 35 days. The gap of 325 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 7916 days of revenue, i.e. 1.8 M€ to permanently finance. Over 2016-2024, WCR increased by +915%, requiring additional financing.
1 831 864 €
360 j
35 j
0 j
7916 j
Based on 54 transactions of similar company sales
in 2024,
the value of FINANCIERE PJC is estimated at
332 199 €
(range 195 732€ - 1 526 407€).
With an EBITDA of 14 043€, 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 PJC with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of FINANCIERE PJC in 2024 is 83 k€.
Yes, FINANCIERE PJC generated a net profit of 971 k€ in 2024.
The headquarters of FINANCIERE PJC is located in BANDOL (83150), in the department Var.
The tax return of FINANCIERE PJC 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 PJC 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.