SIREN : 501566368
JANVIER FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in ANDREZIEUX-BOUTHEON (42160), this company of category PME shows in 2025 a revenue of 882 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 881 576 € | 915 000 € | 788 000 € | 879 000 € | 772 000 € | 617 374 € | 651 400 € | 655 480 € | 688 240 € |
| Net income | 343 728 € | 988 303 € | 1 213 149 € | 549 721 € | 309 113 € | 549 862 € | 410 811 € | 307 241 € | 345 581 € |
| EBITDA | 119 786 € | 119 292 € | 102 683 € | 108 504 € | 80 143 € | 70 737 € | 78 514 € | 77 115 € | 78 353 € |
| Net margin | 39.0% | 108.0% | 154.0% | 62.5% | 40.0% | 89.1% | 63.1% | 46.9% | 50.2% |
In 2025, JANVIER FINANCES achieves revenue of 882 k€. Revenue is growing positively over 9 years (CAGR: +3.1%). Slight decline of -4% vs 2024. After deducting consumption (0 €), gross margin stands at 882 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 120 k€, representing 13.6% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 344 k€, i.e. 39.0% of revenue. This profit can be retained or distributed to shareholders.
881 576 €
881 576 €
119 786 €
80 158 €
343 728 €
13.6%
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. 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. Cash flow represents 43.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.3%
94.326%
43.486%
0.026
27.1%
In 2025, the debt ratio of JANVIER FINANCES (0.30) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of JANVIER FINANCES (94.3%) 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 2025, the repayment capacity of JANVIER FINANCES (0.03) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 1143.48. 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 1.5x. Coverage is limited: any activity downturn would jeopardize interest payments.
1143.484
1.505
In 2025, the liquidity ratio of JANVIER FINANCES (1143.48) 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 2025, the interest coverage of JANVIER FINANCES (1.5x) 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) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 135 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 86 days. The gap of 49 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 201 days of revenue, i.e. 492 k€ to permanently finance. Over 2017-2025, WCR increased by +246%, requiring additional financing.
492 246 €
135 j
86 j
0 j
201 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 313 866€ to 2 352 018€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 JANVIER FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of JANVIER FINANCES in 2025 is 882 k€.
Yes, JANVIER FINANCES generated a net profit of 344 k€ in 2025.
The headquarters of JANVIER FINANCES is located in ANDREZIEUX-BOUTHEON (42160), in the department Loire.
The tax return of JANVIER FINANCES 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).
JANVIER FINANCES 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.