J-D FINANCES ET DEVELOPPEMENTS : revenue, balance sheet and financial ratios

J-D FINANCES ET DEVELOPPEMENTS is a French company founded 11 years ago, specialized in the sector Activités des sociétés holding. Based in BARENTIN (76360), this company of category PME shows in 2023 a revenue of 626 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

Financial history - J-D FINANCES ET DEVELOPPEMENTS (SIREN 805331493)
Indicator 2023 2020 2019 2018 2017 2016
Revenue 626 195 € 328 143 € 341 584 € 322 463 € 303 425 € 305 757 €
Net income 830 547 € 302 833 € 320 955 € 343 136 € 342 765 € 280 336 €
EBITDA 7 190 € -4 417 € -21 430 € -14 670 € -16 871 € -13 653 €
Net margin 132.6% 92.3% 94.0% 106.4% 113.0% 91.7%

Revenue and income statement

In 2023, J-D FINANCES ET DEVELOPPEMENTS achieves revenue of 626 k€. Over the period 2016-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +10.8%. Vs 2020, growth of +91% (328 k€ -> 626 k€). After deducting consumption (0 €), gross margin stands at 626 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 7 k€, representing 1.1% of revenue. Positive scissor effect: EBITDA margin improves by +2.5 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 831 k€, i.e. 132.6% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

626 195 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

626 195 €

EBITDA (2023) ?
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

7 190 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

26 242 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

830 547 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

1.1%

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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 0%. 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 94%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Cash flow represents 129.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.0%

Financial autonomy (2023) ?
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

93.896%

Cash flow / Revenue (2023) ?
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

129.541%

Repayment capacity (2023) ?
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

0.0

Solvency indicators evolution
J-D FINANCES ET DEVELOPPEMENTS

Sector positioning

Debt ratio
0.0 2023
2019
2020
2023
Q1: 0.03
Med: 10.87
Q3: 70.22
Excellent -26 pts over 3 years

In 2023, the debt ratio of J-D FINANCES ET DEVELOPPE... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
93.9% 2023
2019
2020
2023
Q1: 17.2%
Med: 61.39%
Q3: 90.77%
Excellent +10 pts over 3 years

In 2023, the financial autonomy of J-D FINANCES ET DEVELOPPE... (93.9%) 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
0.0 years 2023
2019
2020
2023
Q1: 0.0 years
Med: 0.09 years
Q3: 3.23 years
Excellent -30 pts over 3 years

In 2023, the repayment capacity of J-D FINANCES ET DEVELOPPE... (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 877.64. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

877.641

Interest coverage (2023) ?
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
J-D FINANCES ET DEVELOPPEMENTS

Sector positioning

Liquidity ratio
877.64 2023
2019
2020
2023
Q1: 126.86
Med: 619.0
Q3: 3548.33
Good

In 2023, the liquidity ratio of J-D FINANCES ET DEVELOPPE... (877.64) 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
0.0x 2023
2019
2020
2023
Q1: -65.31x
Med: 0.0x
Q3: 0.0x
Good +19 pts over 3 years

In 2023, the interest coverage of J-D FINANCES ET DEVELOPPE... (0.0x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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: 73 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. The gap of 54 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 430 days of revenue, i.e. 747 k€ to permanently finance. Over 2016-2023, WCR increased by +1510%, requiring additional financing.

Operating WCR (2023) ?
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

747 451 €

Customer credit (2023) ?
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

73 j

Supplier credit (2023) ?
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

19 j

Inventory turnover (2023) ?
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 (2023) ?
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

430 j

WCR and payment terms evolution
J-D FINANCES ET DEVELOPPEMENTS

Positioning of J-D FINANCES ET DEVELOPPEMENTS in its sector

Comparison with sector Activités des sociétés holding

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of J-D FINANCES ET DEVELOPPEMENTS is estimated at 1 611 041 € (range 321 510€ - 2 461 351€). With an EBITDA of 7 190€, the sector multiple of 4.6x is applied. The price/revenue ratio is 0.24x (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 value 2023
63 tx
321k€ 1611k€ 2461k€
1 611 041 € Range: 321 510€ - 2 461 351€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
7 190 € × 4.6x
Estimation 32 853 €
12 037€ - 55 902€
Revenue Multiple 30%
626 195 € × 0.24x
Estimation 150 586 €
110 131€ - 447 224€
Net Income Multiple 20%
830 547 € × 9.3x
Estimation 7 747 195 €
1 412 266€ - 11 496 167€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Activités des sociétés holding)

Compare J-D FINANCES ET DEVELOPPEMENTS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des sociétés holding

Frequently asked questions about J-D FINANCES ET DEVELOPPEMENTS

What is the revenue of J-D FINANCES ET DEVELOPPEMENTS ?

The revenue of J-D FINANCES ET DEVELOPPEMENTS in 2023 is 626 k€.

Is J-D FINANCES ET DEVELOPPEMENTS profitable?

Yes, J-D FINANCES ET DEVELOPPEMENTS generated a net profit of 831 k€ in 2023.

Where is the headquarters of J-D FINANCES ET DEVELOPPEMENTS ?

The headquarters of J-D FINANCES ET DEVELOPPEMENTS is located in BARENTIN (76360), in the department Seine-Maritime.

Where to find the tax return of J-D FINANCES ET DEVELOPPEMENTS ?

The tax return of J-D FINANCES ET DEVELOPPEMENTS 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 J-D FINANCES ET DEVELOPPEMENTS operate?

J-D FINANCES ET DEVELOPPEMENTS 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.