SIREN : 483338364
JLB FINANCES is a French company founded 20 years ago, specialized in the sector Activités des sociétés holding. Based in NOYAL-CHATILLON-SUR-SEICHE (35230), this company of category PME shows in 2024 a revenue of 192 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 192 000 € | 192 000 € | 192 000 € | 192 000 € | 176 000 € | 192 000 € | 163 200 € | 163 200 € | 163 200 € |
| Net income | 271 510 € | -142 648 € | 215 545 € | 229 868 € | 99 743 € | 18 588 € | 57 717 € | 28 603 € | 22 121 € |
| EBITDA | 459 € | 21 824 € | 29 832 € | 43 663 € | 31 732 € | 37 786 € | 34 418 € | 44 065 € | 42 709 € |
| Net margin | 141.4% | -74.3% | 112.3% | 119.7% | 56.7% | 9.7% | 35.4% | 17.5% | 13.6% |
In 2024, JLB FINANCES achieves revenue of 192 k€. Revenue is growing positively over 9 years (CAGR: +2.1%). Slight decline of 0% vs 2023. After deducting consumption (0 €), gross margin stands at 192 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 459 €, representing 0.2% of revenue. Warning negative scissor effect: despite revenue change (+0%), EBITDA varies by -98%, reducing margin by 11.1 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 272 k€, i.e. 141.4% of revenue. This profit can be retained or distributed to shareholders.
192 000 €
192 000 €
459 €
-11 099 €
271 510 €
0.2%
The debt ratio (= Financial debt / Equity x 100) stands at 157%. 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 39%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 147.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
156.913%
38.724%
147.759%
5.243
20.0%
In 2024, the debt ratio of JLB FINANCES (156.91) 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 2024, the financial autonomy of JLB FINANCES (38.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of JLB FINANCES (5.24) 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 2736.28. 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 10307.0x. Operating income very largely covers interest expenses: high safety margin.
2736.285
10306.972
In 2024, the liquidity ratio of JLB FINANCES (2736.28) 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 2024, the interest coverage of JLB FINANCES (10307.0x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 30 days. Favorable situation: supplier credit is longer than customer credit by 30 days. Overall, WCR represents 19 days of revenue, i.e. 10 k€ to permanently finance. Over 2016-2024, WCR increased by +1067%, requiring additional financing.
10 017 €
0 j
30 j
0 j
19 j
Based on 54 transactions of similar company sales
in 2024,
the value of JLB FINANCES is estimated at
114 301 €
(range 71 848€ - 447 781€).
With an EBITDA of 459€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 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 JLB FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of JLB FINANCES in 2024 is 192 k€.
Yes, JLB FINANCES generated a net profit of 272 k€ in 2024.
The headquarters of JLB FINANCES is located in NOYAL-CHATILLON-SUR-SEICHE (35230), in the department Ille-et-Vilaine.
The tax return of JLB 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).
JLB 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.