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JAVIMOCA INVESTISSEMENTS : revenue, balance sheet and financial ratios

JAVIMOCA INVESTISSEMENTS is a French company founded 2 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in LES GARENNES SUR LOIRE (49610), this company of category PME shows in 2025 a net income positive of 46 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

Financial history - JAVIMOCA INVESTISSEMENTS (SIREN 927831032)
Indicator 2025
Revenue N/C
Net income 45 668 €
EBITDA -9 079 €
Net margin N/C

Revenue and income statement

In 2025, JAVIMOCA INVESTISSEMENTS generates positive net income of 46 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax.

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

-9 079 €

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

-9 480 €

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

45 668 €

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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 1128%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 92%. 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 14.5 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high.

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

1128.12%

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

91.846%

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

14.537

Asset age ratio (2025) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

82.6%

Solvency indicators evolution
JAVIMOCA INVESTISSEMENTS

Sector positioning

Debt ratio
1128.12 2025
2025
Q1: 0.0
Med: 5.27
Q3: 45.01
Watch

In 2025, the debt ratio of JAVIMOCA INVESTISSEMENTS (1128.12) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.

Financial autonomy
91.85% 2025
2025
Q1: 14.56%
Med: 50.89%
Q3: 78.66%
Excellent

In 2025, the financial autonomy of JAVIMOCA INVESTISSEMENTS (91.8%) 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
14.54 years 2025
2025
Q1: 0.0 years
Med: 0.03 years
Q3: 1.45 years
Watch

In 2025, the repayment capacity of JAVIMOCA INVESTISSEMENTS (14.54) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 95906.67. 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

95906.667

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

-239.839

Liquidity indicators evolution
JAVIMOCA INVESTISSEMENTS

Sector positioning

Liquidity ratio
95906.67 2025
2025
Q1: 157.83
Med: 327.31
Q3: 847.28
Excellent

In 2025, the liquidity ratio of JAVIMOCA INVESTISSEMENTS (95906.67) 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
-239.84x 2025
2025
Q1: 0.0x
Med: 0.0x
Q3: 2.33x
Watch

In 2025, the interest coverage of JAVIMOCA INVESTISSEMENTS (-239.8x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

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: 3 days. Favorable situation: supplier credit is longer than customer credit by 3 days.

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

3 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
JAVIMOCA INVESTISSEMENTS

Positioning of JAVIMOCA INVESTISSEMENTS in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of JAVIMOCA INVESTISSEMENTS is estimated at 91 914 € (range 43 477€ - 419 672€). 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 2025
193 transactions
43k€ 91k€ 419k€
91 914 € Range: 43 477€ - 419 672€
NAF 5 all-time

Valuation method used

Net Income Multiple
45 668 € × 2.0x = 91 915 €
Range: 43 477€ - 419 673€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 193 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 agents et courtiers d'assurances)

Compare JAVIMOCA INVESTISSEMENTS with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances

Frequently asked questions about JAVIMOCA INVESTISSEMENTS

What is the revenue of JAVIMOCA INVESTISSEMENTS ?

The revenue of JAVIMOCA INVESTISSEMENTS is not publicly disclosed (confidential accounts filed with INPI).

Is JAVIMOCA INVESTISSEMENTS profitable?

Yes, JAVIMOCA INVESTISSEMENTS generated a net profit of 46 k€ in 2025.

Where is the headquarters of JAVIMOCA INVESTISSEMENTS ?

The headquarters of JAVIMOCA INVESTISSEMENTS is located in LES GARENNES SUR LOIRE (49610), in the department Maine-et-Loire.

Where to find the tax return of JAVIMOCA INVESTISSEMENTS ?

The tax return of JAVIMOCA INVESTISSEMENTS 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 JAVIMOCA INVESTISSEMENTS operate?

JAVIMOCA INVESTISSEMENTS operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.