SIREN : 749959722
JB FINANCE is a French company founded 14 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in MONTREUIL-JUIGNE (49460), this company of category PME shows in 2025 a revenue of 94 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 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 94 263 € | 93 921 € | 86 066 € | 87 293 € | 67 509 € | 39 337 € | 30 000 € | 28 750 € | 24 000 € | 24 000 € |
| Net income | 65 780 € | 98 798 € | 123 286 € | 104 523 € | 182 838 € | 73 568 € | 62 624 € | 51 693 € | 60 652 € | 41 632 € |
| EBITDA | 26 253 € | 28 754 € | 27 099 € | 22 413 € | 6 978 € | 13 650 € | 27 963 € | 26 863 € | 21 984 € | 22 116 € |
| Net margin | 69.8% | 105.2% | 143.2% | 119.7% | 270.8% | 187.0% | 208.7% | 179.8% | 252.7% | 173.5% |
In 2025, JB FINANCE achieves revenue of 94 k€. Over the period 2016-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +16.4%. Vs 2024: +0%. After deducting consumption (0 €), gross margin stands at 94 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 26 k€, representing 27.9% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -9%, reducing margin by 2.8 pts. This reflects costs rising faster than revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 66 k€, i.e. 69.8% of revenue. This profit can be retained or distributed to shareholders.
94 263 €
94 263 €
26 253 €
26 249 €
65 780 €
27.9%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 69.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
2.345%
95.964%
69.783%
0.326
In 2025, the debt ratio of JB FINANCE (2.35) 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 JB FINANCE (96.0%) 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.
In 2025, the repayment capacity of JB FINANCE (0.33) 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 2110.07. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2110.075
0.0
In 2025, the liquidity ratio of JB FINANCE (2110.07) 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 JB FINANCE (0.0x) 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: 20 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 150 days. Excellent situation: suppliers finance 130 days of the operating cycle (retail model). Overall, WCR represents 187 days of revenue, i.e. 49 k€ to permanently finance. Over 2016-2025, WCR increased by +1953%, requiring additional financing.
49 014 €
20 j
150 j
0 j
187 j
Based on 170 transactions of similar company sales (all years), the value of JB FINANCE is estimated at 245 824 € (range 152 099€ - 393 090€). With an EBITDA of 26 253€, the sector multiple of 6.8x is applied. The price/revenue ratio is 0.71x (in line with sector norms). 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.
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This estimate is based on the analysis of 170 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 JB FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires
The revenue of JB FINANCE in 2025 is 94 k€.
Yes, JB FINANCE generated a net profit of 66 k€ in 2025.
The headquarters of JB FINANCE is located in MONTREUIL-JUIGNE (49460), in the department Maine-et-Loire.
The tax return of JB FINANCE 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).
JB FINANCE operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.