SIREN : 453703928
JEROL FINANCES is a French company founded 21 years ago, specialized in the sector Activités des sociétés holding. Based in VILLEURBANNE (69100), this company of category PME shows in 2023 a revenue of 495 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 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 495 000 € | 515 000 € | 415 000 € | 325 000 € | 378 800 € | 370 800 € | 162 774 € | N/C |
| Net income | 390 011 € | 417 987 € | 335 886 € | -97 109 € | -89 467 € | 124 117 € | -169 802 € | 11 353 € |
| EBITDA | 5 844 € | 34 709 € | -29 346 € | 28 610 € | 17 926 € | -106 053 € | -7 526 € | -9 477 € |
| Net margin | 78.8% | 81.2% | 80.9% | -29.9% | -23.6% | 33.5% | -104.3% | N/C |
In 2023, JEROL FINANCES achieves revenue of 495 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +20.4%. Slight decline of -4% vs 2022. After deducting consumption (0 €), gross margin stands at 495 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 6 k€, representing 1.2% of revenue. Warning negative scissor effect: despite revenue change (-4%), EBITDA varies by -83%, reducing margin by 5.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 390 k€, i.e. 78.8% of revenue. This profit can be retained or distributed to shareholders.
495 000 €
495 000 €
5 844 €
5 849 €
390 011 €
1.2%
The debt ratio (= Financial debt / Equity x 100) stands at 12%. 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 87%. 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 1.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 109.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
11.736%
87.428%
109.243%
1.337
In 2023, the debt ratio of JEROL FINANCES (11.74) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2023, the financial autonomy of JEROL FINANCES (87.4%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2023, the repayment capacity of JEROL FINANCES (1.34) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 922.10. 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 3568.2x. Operating income very largely covers interest expenses: high safety margin.
922.097
3568.19
In 2023, the liquidity ratio of JEROL FINANCES (922.10) 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 2023, the interest coverage of JEROL FINANCES (3568.2x) 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: 104 days. Excellent situation: suppliers finance 84 days of the operating cycle (retail model). Overall, WCR represents 175 days of revenue, i.e. 241 k€ to permanently finance.
241 115 €
20 j
104 j
0 j
175 j
Based on 63 transactions of similar company sales
in 2023,
the value of JEROL FINANCES is estimated at
776 652 €
(range 163 644€ - 1 208 457€).
With an EBITDA of 5 844€, 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.
Ajustez les pondérations selon votre analyse
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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare JEROL FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of JEROL FINANCES in 2023 is 495 k€.
Yes, JEROL FINANCES generated a net profit of 390 k€ in 2023.
The headquarters of JEROL FINANCES is located in VILLEURBANNE (69100), in the department Rhone.
The tax return of JEROL 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).
JEROL 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.