FJ2S INVEST : revenue, balance sheet and financial ratios
FJ2S INVEST is a French company
founded 20 years ago,
specialized in the sector Agences immobilières.
Based in VOIRON (38500),
this company of category PME
shows in 2024 a revenue of 977 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
In 2024, FJ2S INVEST achieves revenue of 977 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.6%. Vs 2023, growth of +16% (842 k€ -> 977 k€). After deducting consumption (0 €), gross margin stands at 977 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 98 k€, representing 10.0% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 67 k€, i.e. 6.9% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2024)
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Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
977 323 €
Gross margin (2024)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
977 323 €
EBITDA (2024)
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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
98 116 €
EBIT (2024)
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EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
93 858 €
Net income (2024)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
67 467 €
EBITDA margin (2024)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
10.0%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 46%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 48%. 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 2.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 7.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
46.413%
Financial autonomy (2024)
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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
47.943%
Cash flow / Revenue (2024)
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Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates
7.255%
Repayment capacity (2024)
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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
1.992
Asset age ratio (2024)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Debt ratio
269.198
226.609
135.989
187.869
100.184
81.132
63.836
52.978
46.413
Financial autonomy
21.586
23.285
30.883
27.912
35.036
40.936
44.893
47.72
47.943
Repayment capacity
3.965
7.063
3.31
5.916
2.684
2.014
1.943
2.765
1.992
Cash flow / Revenue
11.394%
5.349%
8.771%
6.985%
11.993%
12.32%
9.672%
6.684%
7.255%
Sector positioning
Debt ratio
46.412024
2022
2023
2024
Q1: 0.0
Med: 9.94
Q3: 66.37
Average
In 2024, the debt ratio of FJ2S INVEST (46.41) 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
47.94%2024
2022
2023
2024
Q1: 2.93%
Med: 25.97%
Q3: 60.01%
Good+6 pts over 3 years
In 2024, the financial autonomy of FJ2S INVEST (47.9%) 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
1.99 years2024
2022
2023
2024
Q1: -0.06 years
Med: 0.0 years
Q3: 1.48 years
Average
In 2024, the repayment capacity of FJ2S INVEST (1.99) 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 269.24. 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 3.5x. Financial charges are adequately covered by operations.
Liquidity ratio (2024)
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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
269.242
Interest coverage (2024)
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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
3.464
Liquidity indicators evolution FJ2S INVEST
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Liquidity ratio
322.387
325.935
299.857
387.92
273.982
315.863
305.707
294.832
269.242
Interest coverage
7.651
18.628
9.001
10.009
1.88
1.705
2.099
3.613
3.464
Sector positioning
Liquidity ratio
269.242024
2022
2023
2024
Q1: 103.89
Med: 180.17
Q3: 476.41
Good
In 2024, the liquidity ratio of FJ2S INVEST (269.24) 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.
Interest coverage
3.46x2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 1.31x
Excellent
In 2024, the interest coverage of FJ2S INVEST (3.5x) 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. Average customer payment term: 94 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. The gap of 62 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 65 days of revenue, i.e. 178 k€ to permanently finance. Notable WCR improvement over the period (-28%), freeing up cash.
Operating WCR (2024)
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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
177 746 €
Customer credit (2024)
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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
94 j
Supplier credit (2024)
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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
32 j
Inventory turnover (2024)
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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 in days of revenue (2024)
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WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management
65 j
WCR and payment terms evolution FJ2S INVEST
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2017
2018
2019
2020
2021
2022
2023
2024
Operating WCR
247 445 €
140 201 €
184 272 €
187 161 €
302 339 €
116 251 €
98 404 €
154 850 €
177 746 €
Inventory turnover (days)
0
0
0
0
0
0
0
0
0
Customer payment term (days)
150
105
119
107
149
64
52
90
94
Supplier payment term (days)
14
16
29
6
58
48
40
31
32
Positioning of FJ2S INVEST in its sector
Comparison with sector Agences immobilières
Valuation estimate
Based on 64 transactions of similar company sales
in 2024,
the value of FJ2S INVEST is estimated at
316 644 €
(range 139 429€ - 527 957€).
With an EBITDA of 98 116€, the sector multiple of 3.1x is applied.
The price/revenue ratio is 0.33x
(conservative valuation).
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.
Estimated enterprise value2024
64 tx
139k€316k€527k€
316 644 €Range: 139 429€ - 527 957€
NAF 5 année 2024
Valuation detail by method
Ajustez les pondérations selon votre analyse
EBITDA Multiple50%
98 116 €×3.1x
Estimation305 576 €
110 094€ - 318 175€
Revenue Multiple30%
977 323 €×0.33x
Estimation320 717 €
182 157€ - 729 984€
Net Income Multiple20%
67 467 €×5.0x
Estimation338 207 €
148 678€ - 749 373€
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 64 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 (Agences immobilières)
Compare FJ2S INVEST with other companies in the same sector:
Yes, FJ2S INVEST generated a net profit of 67 k€ in 2024.
Where is the headquarters of FJ2S INVEST ?
The headquarters of FJ2S INVEST is located in VOIRON (38500), in the department Isere.
Where to find the tax return of FJ2S INVEST ?
The tax return of FJ2S INVEST 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 FJ2S INVEST operate?
FJ2S INVEST operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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