JOAN ALBERT BAN : revenue, balance sheet and financial ratios

JOAN ALBERT BAN is a French company founded 3 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in LE GOSIER (97190), this company of category PME shows in 2024 a revenue of 4 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - JOAN ALBERT BAN (SIREN 948900881)
Indicator 2024 2023
Revenue 4 160 € 4 160 €
Net income -10 221 € -28 353 €
EBITDA 2 258 € -16 601 €
Net margin -245.7% -681.6%

Revenue and income statement

Im Jahr 2024 erzielt JOAN ALBERT BAN einen Umsatz von 4 k€. Leichter Rückgang von 0% vs 2023. Nach Abzug des Verbrauchs (0 €) beträgt die Bruttomarge 4 k€, d.h. eine Rate von 100%. Dieses Verhältnis misst die Fähigkeit, aus der Geschäftstätigkeit Wert zu schaffen. EBITDA (= Bruttomarge - Personalkosten - Steuern) erreicht 2 k€, was 54.3% des Umsatzes entspricht. Positiver Schereneffekt: EBITDA-Marge verbessert sich um +453.3 Punkte. Diese hohe EBITDA-Marge bietet starke Selbstfinanzierungskapazität. Das Nettoergebnis ist negativ bei -10 k€ (-245.7% des Umsatzes).

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

4 160 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

4 160 €

EBITDA (2024) ?
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

2 258 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-10 221 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-10 221 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

54.3%

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

Die Verschuldungsquote (= Finanzschulden / Eigenkapital x 100) beträgt 18%. Dieses niedrige Niveau spiegelt eine solide Finanzstruktur wider. Die finanzielle Autonomie (= Eigenkapital / Bilanzsumme x 100) erreicht 5%. Geringe Autonomie: Das Unternehmen ist stark von externer Finanzierung abhängig. Die Schuldenrückzahlungskapazität zeigt, dass es 5.5 Jahre Cashflow braucht. Diese Kennzahl bleibt innerhalb der üblichen Bankstandards. Der Cashflow beträgt 54.3% des Umsatzes. Dieses hohe Niveau bietet eine starke Selbstfinanzierungskapazität.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

17.891%

Financial autonomy (2024) ?
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

5.313%

Cash flow / Revenue (2024) ?
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

54.303%

Repayment capacity (2024) ?
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

5.525

Asset age ratio (2024) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

90.3%

Solvency indicators evolution
JOAN ALBERT BAN

Sector positioning

Verschuldungsgrad
17.89 2024
2023
2024
Q1: -20.62
Med: 5.98
Q3: 146.83
Average -23 pts over 2 years

Im Jahr 2024 liegt über dem Median der Branche das verschuldungsgrad von JOAN ALBERT BAN (17.89). Dieses Verhältnis misst das Gewicht der Schulden im Verhältnis zum Eigenkapital. Eine Reduzierung könnte die finanzielle Stärke verbessern.

Finanzielle Autonomie
5.31% 2024
2023
2024
Q1: 0.04%
Med: 27.47%
Q3: 73.82%
Average -39 pts over 2 years

Im Jahr 2024 liegt unter dem Median der Branche das finanzielle autonomie von JOAN ALBERT BAN (5.3%). Dieses Verhältnis stellt den Anteil des Eigenkapitals an der Gesamtfinanzierung dar. Eine Verbesserung würde die Wettbewerbsposition stärken.

Rückzahlungsfähigkeit
5.53 ans 2024
2023
2024
Q1: -0.02 ans
Med: 0.65 ans
Q3: 10.57 ans
Average +37 pts over 2 years

Im Jahr 2024 liegt über dem Median der Branche das rückzahlungsfähigkeit von JOAN ALBERT BAN (5.5 ans). Dieses Verhältnis gibt die Anzahl der Jahre an, die zur Rückzahlung der Schulden mit dem Cashflow benötigt werden. Eine Reduzierung könnte die finanzielle Stärke verbessern.

Liquidity ratios

Die Liquiditätsquote beträgt 6.24. Das Unternehmen verfügt über 2€ liquide Mittel für jeden 1€ kurzfristiger Schulden.

Liquidity ratio (2024) ?
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

6.241

Interest coverage (2024) ?
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
JOAN ALBERT BAN

Sector positioning

Liquiditätsquote
6.24 2024
2023
2024
Q1: 83.33
Med: 307.99
Q3: 1318.25
Beobachten

Im Jahr 2024 liegt in den unteren 25% der Branche das liquiditätsquote von JOAN ALBERT BAN (6.24). Dieses Verhältnis misst die Fähigkeit, kurzfristige Schulden mit Umlaufvermögen zu decken. Ein Verhältnis unter 1 kann auf potenzielle Liquiditätsspannungen hinweisen.

Zinsdeckung
0.0x 2024
2023
2024
Q1: 0.0x
Med: 0.0x
Q3: 20.04x
Average

Im Jahr 2024 liegt unter dem Median der Branche das zinsdeckung von JOAN ALBERT BAN (0.0x). Dieses Verhältnis gibt an, wie oft das Betriebsergebnis die Zinsaufwendungen deckt. Eine Verbesserung würde die Wettbewerbsposition stärken.

Working capital requirement (WCR) and payment terms

Der Betriebskapitalbedarf (WCR) misst die zeitliche Lücke. WCR ist negativ (-12386 Tage): Der Betrieb generiert strukturell Liquidität.

Operating WCR (2024) ?
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

-143 132 €

Customer credit (2024) ?
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 (2024) ?
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 (2024) ?
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 in days of revenue (2024) ?
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

-12386 j

WCR and payment terms evolution
JOAN ALBERT BAN

Positioning of JOAN ALBERT BAN in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 169 transactions of similar company sales in 2024, the value of JOAN ALBERT BAN is estimated at 9 161 € (range 2 572€ - 16 451€). With an EBITDA of 2 258€, the sector multiple of 5.6x is applied. The price/revenue ratio is 0.81x (in line with sector norms). 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.

Estimated enterprise value 2024
169 transactions
2k€ 9k€ 16k€
9 161 € Range: 2 572€ - 16 451€
NAF 5 année 2024

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
2 258 € × 5.6x
Estimation 12 644 €
3 347€ - 22 569€
Revenue Multiple 30%
4 160 € × 0.81x
Estimation 3 356 €
1 282€ - 6 257€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 169 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 (Location de terrains et d'autres biens immobiliers)

Compare JOAN ALBERT BAN with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about JOAN ALBERT BAN

What is the revenue of JOAN ALBERT BAN ?

The revenue of JOAN ALBERT BAN in 2024 is 4 k€.

Is JOAN ALBERT BAN profitable?

JOAN ALBERT BAN recorded a net loss in 2024.

Where is the headquarters of JOAN ALBERT BAN ?

The headquarters of JOAN ALBERT BAN is located in LE GOSIER (97190), in the department Guadeloupe.

Where to find the tax return of JOAN ALBERT BAN ?

The tax return of JOAN ALBERT BAN 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 JOAN ALBERT BAN operate?

JOAN ALBERT BAN operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.