SIREN : 343530978
JOAGROUPE FINANCE is a French company founded 38 years ago, specialized in the sector Activités des sociétés holding. Based in LYON (69006), this company of category ETI shows in 2025 a revenue of 15 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-02
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15 450 € | 15 450 € | 15 450 € | 15 450 € | 15 519 € | 15 450 € | 15 552 € | 16 805 € | 15 450 € | 20 043 € |
| Net income | 6 602 801 € | 7 780 157 € | 19 749 249 € | 5 167 548 € | 671 021 € | -2 785 868 € | 12 935 588 € | 3 598 029 € | 20 960 648 € | 2 064 782 € |
| EBITDA | -66 262 € | -739 031 € | -358 671 € | -119 784 € | -96 961 € | -93 323 € | -87 152 € | -254 144 € | -1 668 212 € | -652 271 € |
| Net margin | 42736.6% | 50357.0% | 127826.9% | 33446.9% | 4323.9% | -18031.5% | 83176.4% | 21410.5% | 135667.6% | 10301.8% |
In 2025, JOAGROUPE FINANCE achieves revenue of 15 k€. Activity remains stable over the period (CAGR: -2.9%). Slight decline of 0% vs 2024. After deducting consumption (0 €), gross margin stands at 15 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 -66 k€, representing -428.9% of revenue. Positive scissor effect: EBITDA margin improves by +4354.5 pts, sign of improved operational efficiency. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 6.6 M€, i.e. 42736.6% of revenue. This profit can be retained or distributed to shareholders.
15 450 €
15 450 €
-66 262 €
-172 070 €
6 602 801 €
-428.9%
The debt ratio (= Financial debt / Equity x 100) stands at 51%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 66%. 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 4.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 56424.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
51.287%
65.962%
56424.654%
4.224
30.3%
In 2025, the debt ratio of JOAGROUPE FINANCE (51.29) 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 2025, the financial autonomy of JOAGROUPE FINANCE (66.0%) 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 2025, the repayment capacity of JOAGROUPE FINANCE (4.22) 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 4856.26. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
4856.255
-7325.349
In 2025, the liquidity ratio of JOAGROUPE FINANCE (4856.26) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2025, the interest coverage of JOAGROUPE FINANCE (-7325.4x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. Excellent situation: suppliers finance 43 days of the operating cycle (retail model). Overall, WCR represents 85478 days of revenue, i.e. 3.7 M€ to permanently finance. Over 2016-2025, WCR increased by +182%, requiring additional financing.
3 668 448 €
0 j
43 j
0 j
85478 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 1 057 760€ to 32 469 051€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 JOAGROUPE FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of JOAGROUPE FINANCE in 2025 is 15 k€.
Yes, JOAGROUPE FINANCE generated a net profit of 6.6 M€ in 2025.
The headquarters of JOAGROUPE FINANCE is located in LYON (69006), in the department Rhone.
The tax return of JOAGROUPE FINANCE 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).
JOAGROUPE FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.