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JLNO FINANCES : revenue, balance sheet and financial ratios

JLNO FINANCES is a French company founded 13 years ago, specialized in the sector Gestion de fonds. Based in L'HERMITAGE (35590), this company of category PME shows in 2016 a revenue of 158 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

Financial history - JLNO FINANCES (SIREN 752136788)
Indicator 2019 2017 2016
Revenue N/C N/C 157 796 €
Net income 71 349 € 11 340 € 10 942 €
EBITDA N/C N/C 38 321 €
Net margin N/C N/C 6.9%

Revenue and income statement

In 2019, JLNO FINANCES generates positive net income of 71 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2016-2019: 11 k€ -> 71 k€.

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

71 349 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 20%. 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 74%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

20.037%

Financial autonomy (2019) ?
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

74.21%

Solvency indicators evolution
JLNO FINANCES

Sector positioning

Debt ratio
20.04 2019
2016
2017
2019
Q1: 0.01
Med: 14.09
Q3: 115.95
Average -24 pts over 3 years

In 2019, the debt ratio of JLNO FINANCES (20.04) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
74.21% 2019
2016
2017
2019
Q1: 13.5%
Med: 53.04%
Q3: 87.88%
Good +31 pts over 3 years

In 2019, the financial autonomy of JLNO FINANCES (74.2%) 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.

Repayment capacity
4.83 years 2016
2016
Q1: 0.0 years
Med: 0.03 years
Q3: 3.27 years
Average

In 2016, the repayment capacity of JLNO FINANCES (4.83) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 734.58. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
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

734.584

Liquidity indicators evolution
JLNO FINANCES

Sector positioning

Liquidity ratio
734.58 2019
2016
2017
2019
Q1: 99.47
Med: 355.82
Q3: 1949.83
Good +10 pts over 3 years

In 2019, the liquidity ratio of JLNO FINANCES (734.58) 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.

Interest coverage
8.17x 2016
2016
Q1: -33.21x
Med: 0.0x
Q3: 1.8x
Excellent

In 2016, the interest coverage of JLNO FINANCES (8.2x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2019) ?
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

0 €

Customer credit (2019) ?
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

0 j

Supplier credit (2019) ?
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

0 j

Inventory turnover (2019) ?
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 and payment terms evolution
JLNO FINANCES

Positioning of JLNO FINANCES in its sector

Comparison with sector Gestion de fonds

Valuation estimate

Based on 61 transactions of similar company sales in 2019, the value of JLNO FINANCES is estimated at 683 206 € (range 334 453€ - 1 199 899€). 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.

Estimated enterprise value 2019
61 tx
334k€ 683k€ 1199k€
683 206 € Range: 334 453€ - 1 199 899€
NAF 5 année 2019

Valuation method used

Net Income Multiple
71 349 € × 9.6x = 683 207 €
Range: 334 454€ - 1 199 899€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 61 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 (Gestion de fonds)

Compare JLNO FINANCES with other companies in the same sector:

Voir toutes les statistiques du secteur Gestion de fonds

Frequently asked questions about JLNO FINANCES

What is the revenue of JLNO FINANCES ?

The revenue of JLNO FINANCES in 2016 is 158 k€.

Is JLNO FINANCES profitable?

Yes, JLNO FINANCES generated a net profit of 71 k€ in 2019.

Where is the headquarters of JLNO FINANCES ?

The headquarters of JLNO FINANCES is located in L'HERMITAGE (35590), in the department Ille-et-Vilaine.

Where to find the tax return of JLNO FINANCES ?

The tax return of JLNO 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 JLNO FINANCES operate?

JLNO 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.