FONCIERE VAL JOSSELIN : revenue, balance sheet and financial ratios

FONCIERE VAL JOSSELIN is a French company founded 45 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in YFFINIAC (22120), this company of category GE shows in 2023 a revenue of 46 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-25

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - FONCIERE VAL JOSSELIN (SIREN 322007683)
Indicator 2024 2023 2022 2021 2020 2019 2018 2018 2017 2016
Revenue N/C 46 320 € 23 191 € 322 880 € 301 040 € 75 000 € 5 923 393 € 2 489 458 € 5 845 172 € 5 878 775 €
Net income 52 988 € 650 824 € -50 399 € 4 015 892 € 3 504 € -319 158 € 478 833 € 34 711 € 406 828 € 515 923 €
EBITDA -1 653 € 11 455 € -12 735 € 273 503 € 248 035 € -107 377 € 1 102 366 € 330 693 € 839 181 € 1 165 555 €
Net margin N/C 1405.1% -217.3% 1243.8% 1.2% -425.5% 8.1% 1.4% 7.0% 8.8%

Revenue and income statement

In 2024, FONCIERE VAL JOSSELIN generates positive net income of 53 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2024: 516 k€ -> 53 k€.

EBITDA (2024) ?
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

-1 653 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 590 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

52 988 €

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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 4%. 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 96%. 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 1.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

3.944%

Financial autonomy (2024) ?
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

95.892%

Repayment capacity (2024) ?
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

1.586

Solvency indicators evolution
FONCIERE VAL JOSSELIN

Sector positioning

Debt ratio
3.94 2024
2022
2023
2024
Q1: -21.15
Med: 5.9
Q3: 146.94
Good

In 2024, the debt ratio of FONCIERE VAL JOSSELIN (3.94) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
95.89% 2024
2022
2023
2024
Q1: 0.03%
Med: 27.42%
Q3: 73.8%
Excellent +13 pts over 3 years

In 2024, the financial autonomy of FONCIERE VAL JOSSELIN (95.9%) 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.

Repayment capacity
1.59 years 2024
2022
2023
2024
Q1: -0.02 years
Med: 0.66 years
Q3: 10.59 years
Average +27 pts over 3 years

In 2024, the repayment capacity of FONCIERE VAL JOSSELIN (1.59) 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 14919.07. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

14919.069

Interest coverage (2024) ?
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

0.0

Liquidity indicators evolution
FONCIERE VAL JOSSELIN

Sector positioning

Liquidity ratio
14919.07 2024
2022
2023
2024
Q1: 83.19
Med: 307.52
Q3: 1319.53
Excellent +40 pts over 3 years

In 2024, the liquidity ratio of FONCIERE VAL JOSSELIN (14919.07) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.

Interest coverage
0.0x 2024
2022
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 20.03x
Average

In 2024, the interest coverage of FONCIERE VAL JOSSELIN (0.0x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 1308 days. Excellent situation: suppliers finance 1308 days of the operating cycle (retail model).

Operating WCR (2024) ?
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

0 €

Customer credit (2024) ?
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

0 j

Supplier credit (2024) ?
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

1308 j

Inventory turnover (2024) ?
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 and payment terms evolution
FONCIERE VAL JOSSELIN

Positioning of FONCIERE VAL JOSSELIN in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 169 transactions of similar company sales in 2024, the value of FONCIERE VAL JOSSELIN is estimated at 361 077 € (range 108 564€ - 655 113€). 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 2024
169 transactions
108k€ 361k€ 655k€
361 077 € Range: 108 564€ - 655 113€
NAF 5 année 2024

Valuation method used

Net Income Multiple
52 988 € × 6.8x = 361 078 €
Range: 108 565€ - 655 113€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 169 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 (Location de terrains et d'autres biens immobiliers)

Compare FONCIERE VAL JOSSELIN with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about FONCIERE VAL JOSSELIN

What is the revenue of FONCIERE VAL JOSSELIN ?

The revenue of FONCIERE VAL JOSSELIN in 2023 is 46 k€.

Is FONCIERE VAL JOSSELIN profitable?

Yes, FONCIERE VAL JOSSELIN generated a net profit of 53 k€ in 2024.

Where is the headquarters of FONCIERE VAL JOSSELIN ?

The headquarters of FONCIERE VAL JOSSELIN is located in YFFINIAC (22120), in the department Cotes-d'Armor.

Where to find the tax return of FONCIERE VAL JOSSELIN ?

The tax return of FONCIERE VAL JOSSELIN 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 FONCIERE VAL JOSSELIN operate?

FONCIERE VAL JOSSELIN operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.