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J3L HOLD COURTAGE : revenue, balance sheet and financial ratios

J3L HOLD COURTAGE is a French company founded 3 years ago, specialized in the sector Gestion de fonds. Based in MAROMME (76150), this company of category PME shows in 2024 a revenue of 6 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-18

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

Financial history - J3L HOLD COURTAGE (SIREN 920590106)
Indicator 2025 2024
Revenue N/C 5 530 €
Net income 88 220 € 59 327 €
EBITDA -1 746 € 1 817 €
Net margin N/C 1072.8%

Revenue and income statement

In 2025, J3L HOLD COURTAGE generates positive net income of 88 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2024-2025: 59 k€ -> 88 k€.

EBITDA (2025) ?
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

-1 746 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-1 746 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

88 220 €

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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 1%. 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 99%. 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 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.595%

Financial autonomy (2025) ?
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

98.967%

Repayment capacity (2025) ?
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

0.022

Solvency indicators evolution
J3L HOLD COURTAGE

Sector positioning

Debt ratio
0.59 2025
2024
2025
Q1: 0.0
Med: 11.05
Q3: 95.39
Good -7 pts over 2 years

In 2025, the debt ratio of J3L HOLD COURTAGE (0.59) 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
98.97% 2025
2024
2025
Q1: 9.39%
Med: 52.08%
Q3: 89.29%
Excellent

In 2025, the financial autonomy of J3L HOLD COURTAGE (99.0%) 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
0.02 years 2025
2024
2025
Q1: 0.0 years
Med: 0.12 years
Q3: 3.48 years
Good -22 pts over 2 years

In 2025, the repayment capacity of J3L HOLD COURTAGE (0.02) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 9764.23. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

9764.227

Interest coverage (2025) ?
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
J3L HOLD COURTAGE

Sector positioning

Liquidity ratio
9764.23 2025
2024
2025
Q1: 117.65
Med: 590.18
Q3: 4189.62
Excellent

In 2025, the liquidity ratio of J3L HOLD COURTAGE (9764.23) 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 2025
2024
2025
Q1: -77.28x
Med: 0.0x
Q3: 0.0x
Good -25 pts over 2 years

In 2025, the interest coverage of J3L HOLD COURTAGE (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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 249 days. Excellent situation: suppliers finance 249 days of the operating cycle (retail model).

Operating WCR (2025) ?
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 (2025) ?
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 (2025) ?
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

249 j

Inventory turnover (2025) ?
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
J3L HOLD COURTAGE

Positioning of J3L HOLD COURTAGE in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 114 540€ to 660 097€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2025
Indicative
114k€ 225k€ 660k€
225 928 € Range: 114 540€ - 660 097€
NAF 5 année 2025

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 40 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 (Gestion de fonds)

Compare J3L HOLD COURTAGE with other companies in the same sector:

Frequently asked questions about J3L HOLD COURTAGE

What is the revenue of J3L HOLD COURTAGE ?

The revenue of J3L HOLD COURTAGE in 2024 is 6 k€.

Is J3L HOLD COURTAGE profitable?

Yes, J3L HOLD COURTAGE generated a net profit of 88 k€ in 2025.

Where is the headquarters of J3L HOLD COURTAGE ?

The headquarters of J3L HOLD COURTAGE is located in MAROMME (76150), in the department Seine-Maritime.

Where to find the tax return of J3L HOLD COURTAGE ?

The tax return of J3L HOLD COURTAGE 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 J3L HOLD COURTAGE operate?

J3L HOLD COURTAGE operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.