SIREN : 794662486
JLF FINANCES is a French company founded 12 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in LYON (69006), this company of category PME shows in 2019 a revenue of 181 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 181 161 € | 205 000 € | 120 000 € | 120 000 € |
| Net income | 28 428 € | 48 924 € | 31 120 € | 81 471 € |
| EBITDA | 41 383 € | 61 829 € | -9 075 € | 29 747 € |
| Net margin | 15.7% | 23.9% | 25.9% | 67.9% |
In 2019, JLF FINANCES achieves revenue of 181 k€. Over the period 2016-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +14.7%. Significant drop of -12% vs 2018. After deducting consumption (0 €), gross margin stands at 181 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 41 k€, representing 22.8% of revenue. Warning negative scissor effect: despite revenue change (-12%), EBITDA varies by -33%, reducing margin by 7.3 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 28 k€, i.e. 15.7% of revenue. This profit can be retained or distributed to shareholders.
181 161 €
181 161 €
41 383 €
41 415 €
28 428 €
22.8%
The debt ratio (= Financial debt / Equity x 100) stands at 75%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 54%. 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 7.2 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 17.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
74.517%
53.602%
17.268%
7.161
In 2019, the debt ratio of JLF FINANCES (74.52) 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 2019, the financial autonomy of JLF FINANCES (53.6%) 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 2019, the repayment capacity of JLF FINANCES (7.16) 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 176.81. 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 12.0x. Operating income very largely covers interest expenses: high safety margin.
176.811
11.993
In 2019, the liquidity ratio of JLF FINANCES (176.81) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2019, the interest coverage of JLF FINANCES (12.0x) 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: 31 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 116 days. Excellent situation: suppliers finance 85 days of the operating cycle (retail model). Overall, WCR represents 8 days of revenue, i.e. 4 k€ to permanently finance. Notable WCR improvement over the period (-92%), freeing up cash.
3 940 €
31 j
116 j
0 j
8 j
Based on 73 transactions of similar company sales
in 2019,
the value of JLF FINANCES is estimated at
116 823 €
(range 65 952€ - 241 414€).
With an EBITDA of 41 383€, the sector multiple of 3.3x is applied.
The price/revenue ratio is 0.48x
(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 73 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 JLF FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of JLF FINANCES in 2019 is 181 k€.
Yes, JLF FINANCES generated a net profit of 28 k€ in 2019.
The headquarters of JLF FINANCES is located in LYON (69006), in the department Rhone.
The tax return of JLF 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).
JLF FINANCES operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.