JFC PATRIMOINE & FINANCES is a French company
founded 18 years ago,
specialized in the sector Activités des agents et courtiers d'assurances.
Based in MONTPITOL (31380),
this company of category PME
shows in 2024 a revenue of 144 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - JFC PATRIMOINE & FINANCES (SIREN 502487473)
Indicator
2024
2022
2021
2020
2019
2016
Revenue
144 159 €
201 363 €
169 153 €
172 617 €
147 216 €
171 340 €
Net income
-32 041 €
386 €
1 137 €
13 978 €
962 €
5 286 €
EBITDA
-20 387 €
-4 021 €
-4 197 €
18 883 €
2 692 €
8 187 €
Net margin
-22.2%
0.2%
0.7%
8.1%
0.7%
3.1%
Revenue and income statement
In 2024, JFC PATRIMOINE & FINANCES achieves revenue of 144 k€. Activity remains stable over the period (CAGR: -2.1%). Significant drop of -28% vs 2022. After deducting consumption (20 €), gross margin stands at 144 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 -20 k€, representing -14.1% of revenue. Warning negative scissor effect: despite revenue change (-28%), EBITDA varies by -407%, reducing margin by 12.1 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -32 k€ (-22.2% of revenue), which will impact equity.
Revenue (2024)
?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
144 159 €
Gross margin (2024)
?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
144 139 €
EBITDA (2024)
?
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
-20 387 €
EBIT (2024)
?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
-19 898 €
Net income (2024)
?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
-32 041 €
EBITDA margin (2024)
?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
-14.1%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Item
Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 2%. Low autonomy: the company heavily depends on external financing (banks, suppliers).
Debt ratio (2024)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
6.494%
Financial autonomy (2024)
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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
2.299%
Cash flow / Revenue (2024)
?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates
-21.149%
Repayment capacity (2024)
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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
0.0
Asset age ratio (2024)
?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2019
2020
2021
2022
2024
Debt ratio
0.0
6.042
2.067
1.725
1.524
6.494
Financial autonomy
0.0
3.909
1.458
1.223
1.198
2.299
Repayment capacity
0.0
0.0
0.0
0.0
0.0
0.0
Cash flow / Revenue
4.111%
1.966%
9.179%
1.944%
1.027%
-21.149%
Sector positioning
Debt ratio
6.492024
2021
2022
2024
Q1: 0.0
Med: 7.62
Q3: 47.41
Good+18 pts over 3 years
In 2024, the debt ratio of JFC PATRIMOINE & FINANCES (6.49) 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
2.3%2024
2021
2022
2024
Q1: 12.95%
Med: 47.58%
Q3: 76.23%
Average
In 2024, the financial autonomy of JFC PATRIMOINE & FINANCES (2.3%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Repayment capacity
0.0 years2024
2021
2022
2024
Q1: 0.0 years
Med: 0.12 years
Q3: 1.71 years
Excellent
In 2024, the repayment capacity of JFC PATRIMOINE & FINANCES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 23.85. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2024)
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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
23.846
Interest coverage (2024)
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Interest coverage
Definition
Ability to cover interest charges with operating income.
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2016
2019
2020
2021
2022
2024
Liquidity ratio
143.85
214.987
281.176
283.394
380.916
23.846
Interest coverage
0.0
0.0
0.0
0.0
0.0
0.0
Sector positioning
Liquidity ratio
23.852024
2021
2022
2024
Q1: 123.9
Med: 243.5
Q3: 572.15
Watch-32 pts over 3 years
In 2024, the liquidity ratio of JFC PATRIMOINE & FINANCES (23.85) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
Interest coverage
0.0x2024
2021
2022
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.21x
Average
In 2024, the interest coverage of JFC PATRIMOINE & FINANCES (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 37 days. Excellent situation: suppliers finance 36 days of the operating cycle (retail model). WCR is negative (-9 days): operations structurally generate cash. Notable WCR improvement over the period (-125%), freeing up cash.
Operating WCR (2024)
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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
-3 532 €
Customer credit (2024)
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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
1 j
Supplier credit (2024)
?
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
37 j
Inventory turnover (2024)
?
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 in days of revenue (2024)
?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management
-9 j
WCR and payment terms evolution JFC PATRIMOINE & FINANCES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2016
2019
2020
2021
2022
2024
Operating WCR
14 341 €
12 184 €
-16 690 €
-13 025 €
4 486 €
-3 532 €
Inventory turnover (days)
0
0
0
0
0
0
Customer payment term (days)
82
58
2
8
26
1
Supplier payment term (days)
7
23
19
11
18
37
Positioning of JFC PATRIMOINE & FINANCES 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 JFC PATRIMOINE & FINANCES is estimated at
141 625 €
(range 39 494€ - 263 399€).
The price/revenue ratio is 0.98x
(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.
Estimated enterprise value2024
193 transactions
39k€141k€263k€
141 625 €Range: 39 494€ - 263 399€
NAF 5 all-time
Valuation method used
Revenue Multiple
144 159 €
×
0.98x
=141 626 €
Range: 39 495€ - 263 400€
Only this financial indicator is available for this company.
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
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 JFC PATRIMOINE & FINANCES with other companies in the same sector:
Frequently asked questions about JFC PATRIMOINE & FINANCES
What is the revenue of JFC PATRIMOINE & FINANCES ?
The revenue of JFC PATRIMOINE & FINANCES in 2024 is 144 k€.
Is JFC PATRIMOINE & FINANCES profitable?
JFC PATRIMOINE & FINANCES recorded a net loss in 2024.
Where is the headquarters of JFC PATRIMOINE & FINANCES ?
The headquarters of JFC PATRIMOINE & FINANCES is located in MONTPITOL (31380), in the department Haute-Garonne.
Where to find the tax return of JFC PATRIMOINE & FINANCES ?
The tax return of JFC PATRIMOINE & 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).
In which sector does JFC PATRIMOINE & FINANCES operate?
JFC PATRIMOINE & FINANCES 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.
Item evolution
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