Employees: 02 (2023.0)Legal category: Société à responsabilité limitée (sans autre indication)Size: PMECreation date: 2017-10-05 (8 years)Status: ActiveBusiness sector: Évaluation des risques et dommagesLocation: CASTELSARRASIN (82100), Tarn-et-Garonne
JME EXPERTISES : revenue, balance sheet and financial ratios
JME EXPERTISES is a French company
founded 8 years ago,
specialized in the sector Évaluation des risques et dommages.
Based in CASTELSARRASIN (82100),
this company of category PME
shows in 2021 a revenue of 137 k€.
Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Financial history - JME EXPERTISES (SIREN 832812481)
Indicator
2021
2020
2018
Revenue
136 655 €
160 893 €
56 098 €
Net income
9 936 €
40 641 €
31 320 €
EBITDA
19 757 €
42 062 €
36 458 €
Net margin
7.3%
25.3%
55.8%
Revenue and income statement
In 2021, JME EXPERTISES achieves revenue of 137 k€. Over the period 2018-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +34.6%. Significant drop of -15% vs 2020. After deducting consumption (0 €), gross margin stands at 137 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 20 k€, representing 14.5% of revenue. Warning negative scissor effect: despite revenue change (-15%), EBITDA varies by -53%, reducing margin by 11.7 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 10 k€, i.e. 7.3% of revenue. This profit can be retained or distributed to shareholders.
Revenue (2021)
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Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production
136 655 €
Gross margin (2021)
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Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed
136 655 €
EBITDA (2021)
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Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity
19 757 €
EBIT (2021)
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EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals
11 075 €
Net income (2021)
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Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax
9 936 €
EBITDA margin (2021)
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EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability 5-10% : Average < 5% : Low
14.5%
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Income statement
Item
Amount
% Revenue
Change
The detailed income statement is not available for this company (simplified accounts or confidential data).
Chart evolution
Show :
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Assets
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Item
Gross
Deprec.
Net
%
Change
Assets balance sheet data not available for this company
Liabilities
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Year
%
Change
Liabilities balance sheet data not available for this company
Solvency and debt ratios
The debt ratio (= Financial debt / Equity x 100) stands at 129%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 39%. The balance between equity and debt is satisfactory. Cash flow represents 16.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
Debt ratio (2021)
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Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low 50-100% : Moderate > 100% : High
129.198%
Financial autonomy (2021)
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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
39.251%
Cash flow / Revenue (2021)
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Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates
16.493%
Repayment capacity (2021)
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Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent 3-5 years : Fair > 5 years : Warning
0.0
Asset age ratio (2021)
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Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2018
2020
2021
Debt ratio
96.034
95.417
129.198
Financial autonomy
34.312
27.134
39.251
Repayment capacity
0.0
0.0
0.0
Cash flow / Revenue
55.966%
25.72%
16.493%
Sector positioning
Debt ratio
129.22021
2018
2020
2021
Q1: 1.12
Med: 15.14
Q3: 66.66
Watch
In 2021, the debt ratio of JME EXPERTISES (129.20) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
Financial autonomy
39.25%2021
2018
2020
2021
Q1: 20.17%
Med: 45.44%
Q3: 64.09%
Average+7 pts over 3 years
In 2021, the financial autonomy of JME EXPERTISES (39.2%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
Repayment capacity
0.0 years2021
2018
2020
2021
Q1: 0.0 years
Med: 0.27 years
Q3: 2.85 years
Excellent
In 2021, the repayment capacity of JME EXPERTISES (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
Liquidity ratios
The liquidity ratio (= Current assets / Current liabilities) stands at 138.48. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
Liquidity ratio (2021)
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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
138.482
Interest coverage (2021)
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Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable 1.5-3 : Acceptable < 1.5 : Risk
0.0
Liquidity indicators evolution JME EXPERTISES
Visualisation créée via abddaf.fr Sources : INPI & BCE - Retraitements : Ministère de l'économie
Indicator
2018
2020
2021
Liquidity ratio
154.79
178.548
138.482
Interest coverage
0.0
0.147
0.0
Sector positioning
Liquidity ratio
138.482021
2018
2020
2021
Q1: 130.44
Med: 183.87
Q3: 293.36
Average-9 pts over 3 years
In 2021, the liquidity ratio of JME EXPERTISES (138.48) 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.
Interest coverage
0.0x2021
2018
2020
2021
Q1: 0.0x
Med: 0.13x
Q3: 2.22x
Average
In 2021, the interest coverage of JME EXPERTISES (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) and payment terms
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 335 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 25 days. The gap of 310 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 22 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 103 days of revenue, i.e. 39 k€ to permanently finance. Over 2018-2021, WCR increased by +25%, requiring additional financing.
Operating WCR (2021)
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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
38 922 €
Customer credit (2021)
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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
335 j
Supplier credit (2021)
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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
25 j
Inventory turnover (2021)
?
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
22 j
WCR in days of revenue (2021)
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WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management
103 j
WCR and payment terms evolution JME EXPERTISES
Visualization created via numbers.finance Sources : INPI & BCE - Adjustments : Ministry of Economy
Indicator
2018
2020
2021
Operating WCR
31 119 €
33 693 €
38 922 €
Inventory turnover (days)
318
13
22
Customer payment term (days)
208
247
335
Supplier payment term (days)
76
34
25
Positioning of JME EXPERTISES in its sector
Comparison with sector Évaluation des risques et dommages
Valuation estimate
Indicative estimate only : the number of comparable transactions in this sector is limited (45 transactions).
This range of 16 163€ to 95 107€ is provided for information purposes only and requires in-depth analysis to be confirmed.
Estimated enterprise value2021
Indicative
16k€59k€95k€
59 818 €Range: 16 163€ - 95 107€
NAF 4 année 2021
Aggregated at NAF sub-class level
Valuation evolution
Visualisation creee via abddaf.fr Sources : BODACC & INPI
How is this estimate calculated?
This estimate is based on the analysis of 45 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 (Évaluation des risques et dommages)
Compare JME EXPERTISES with other companies in the same sector:
Yes, JME EXPERTISES generated a net profit of 10 k€ in 2021.
Where is the headquarters of JME EXPERTISES ?
The headquarters of JME EXPERTISES is located in CASTELSARRASIN (82100), in the department Tarn-et-Garonne.
Where to find the tax return of JME EXPERTISES ?
The tax return of JME EXPERTISES 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 JME EXPERTISES operate?
JME EXPERTISES operates in the sector Évaluation des risques et dommages (NAF code 66.21Z). See the 'Sector positioning' section above to compare the company with its competitors.
Item evolution
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