SIREN : 823893292
JLB PATRIMOINE is a French company founded 9 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in SAINT-CONTEST (14280), this company of category PME shows in 2024 a revenue of 286 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2021 | 2020 | 2017 |
|---|---|---|---|---|---|
| Revenue | 286 018 € | 331 116 € | 365 454 € | 406 729 € | 279 391 € |
| Net income | 102 348 € | 38 262 € | 115 585 € | 117 404 € | 45 048 € |
| EBITDA | 177 197 € | 158 826 € | 177 305 € | 246 794 € | 53 198 € |
| Net margin | 35.8% | 11.6% | 31.6% | 28.9% | 16.1% |
In 2024, JLB PATRIMOINE achieves revenue of 286 k€. Revenue is growing positively over 5 years (CAGR: +0.3%). Significant drop of -14% vs 2023. After deducting consumption (0 €), gross margin stands at 286 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 177 k€, representing 62.0% of revenue. Positive scissor effect: EBITDA margin improves by +14.0 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 102 k€, i.e. 35.8% of revenue. This profit can be retained or distributed to shareholders.
286 018 €
286 018 €
177 197 €
175 913 €
102 348 €
62.0%
The debt ratio (= Financial debt / Equity x 100) stands at 81%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 45%. 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 1.5 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 36.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
80.566%
45.447%
36.251%
1.466
25.3%
In 2024, the debt ratio of JLB PATRIMOINE (80.57) 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 PATRIMOINE (45.5%) 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 PATRIMOINE (1.47) 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 65.39. 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 3.7x. Financial charges are adequately covered by operations.
65.388
3.699
In 2024, the liquidity ratio of JLB PATRIMOINE (65.39) 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.
In 2024, the interest coverage of JLB PATRIMOINE (3.7x) 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: 46 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 4 days. The gap of 42 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-32 days): operations structurally generate cash. Notable WCR improvement over the period (-153%), freeing up cash.
-25 750 €
46 j
4 j
0 j
-32 j
Based on 193 transactions of similar company sales (all years), the value of JLB PATRIMOINE is estimated at 232 758 € (range 70 700€ - 892 384€). With an EBITDA of 177 197€, the sector multiple of 1.2x is applied. 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare JLB PATRIMOINE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of JLB PATRIMOINE in 2024 is 286 k€.
Yes, JLB PATRIMOINE generated a net profit of 102 k€ in 2024.
The headquarters of JLB PATRIMOINE is located in SAINT-CONTEST (14280), in the department Calvados.
The tax return of JLB PATRIMOINE 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 PATRIMOINE 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.