SIREN : 908646631
JLH FINANCES is a French company founded 4 years ago, specialized in the sector Gestion de fonds. Based in L'ISLE-D'ESPAGNAC (16340), this company of category PME shows in 2024 a revenue of 480 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 480 000 € | 368 000 € | 224 000 € |
| Net income | 88 039 € | 132 316 € | 33 991 € |
| EBITDA | 25 453 € | 66 101 € | 42 398 € |
| Net margin | 18.3% | 36.0% | 15.2% |
In 2024, JLH FINANCES achieves revenue of 480 k€. Over the period 2022-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +46.4%. Vs 2023, growth of +30% (368 k€ -> 480 k€). After deducting consumption (0 €), gross margin stands at 480 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 25 k€, representing 5.3% of revenue. Warning negative scissor effect: despite revenue change (+30%), EBITDA varies by -61%, reducing margin by 12.7 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 88 k€, i.e. 18.3% of revenue. This profit can be retained or distributed to shareholders.
480 000 €
480 000 €
25 453 €
24 254 €
88 039 €
5.3%
The debt ratio (= Financial debt / Equity x 100) stands at 79%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 38%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 19.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
78.643%
38.074%
19.429%
2.221
76.8%
In 2024, the debt ratio of JLH FINANCES (78.64) 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 JLH FINANCES (38.1%) 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 JLH FINANCES (2.22) 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 115.03. 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 9.5x. Operating income very largely covers interest expenses: high safety margin.
115.03
9.48
In 2024, the liquidity ratio of JLH FINANCES (115.03) 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 2024, the interest coverage of JLH FINANCES (9.5x) 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: 43 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 136 days. Excellent situation: suppliers finance 93 days of the operating cycle (retail model). WCR is negative (-8 days): operations structurally generate cash. Notable WCR improvement over the period (-65%), freeing up cash.
-11 136 €
43 j
136 j
0 j
-8 j
Based on 62 transactions of similar company sales
in 2024,
the value of JLH FINANCES is estimated at
235 037 €
(range 78 623€ - 517 336€).
With an EBITDA of 25 453€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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 62 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 JLH FINANCES with other companies in the same sector:
The revenue of JLH FINANCES in 2024 is 480 k€.
Yes, JLH FINANCES generated a net profit of 88 k€ in 2024.
The headquarters of JLH FINANCES is located in L'ISLE-D'ESPAGNAC (16340), in the department Charente.
The tax return of JLH 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).
JLH FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.