JOEL : revenue, balance sheet and financial ratios

JOEL is a French company founded 11 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in PARIS (75016), this company of category PME shows in 2023 a revenue of 31 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

Financial history - JOEL (SIREN 808229363)
Indicator 2024 2023 2022 2021 2020 2019
Revenue N/C 31 390 € 1 027 000 € 3 900 000 € 4 934 828 € N/C
Net income 0 € 2 545 896 € 6 235 241 € 9 424 136 € 3 632 148 € 125 537 €
EBITDA N/C -100 139 € 780 157 € 3 878 363 € 4 858 951 € -4 161 €
Net margin N/C 8110.5% 607.1% 241.6% 73.6% N/C

Revenue and income statement

In 2024, JOEL records a net loss of 0 €. This deficit will reduce equity on the balance sheet. Change over 2019-2023: 126 k€ -> 0 €.

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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 12%. 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 10%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

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

11.876%

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

10.124%

Solvency indicators evolution
JOEL

Sector positioning

Debt ratio
11.88 2024
2022
2023
2024
Q1: 0.0
Med: 3.37
Q3: 50.52
Average

In 2024, the debt ratio of JOEL (11.88) 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
10.12% 2024
2022
2023
2024
Q1: 2.67%
Med: 40.69%
Q3: 75.63%
Average

In 2024, the financial autonomy of JOEL (10.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.11 years 2023
2022
2023
Q1: -0.01 years
Med: 0.0 years
Q3: 1.17 years
Average +17 pts over 2 years

In 2023, the repayment capacity of JOEL (1.11) 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 1121.77. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

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

1121.769

Liquidity indicators evolution
JOEL

Sector positioning

Liquidity ratio
1121.77 2024
2022
2023
2024
Q1: 139.62
Med: 325.32
Q3: 1062.61
Excellent

In 2024, the liquidity ratio of JOEL (1121.77) 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.

Interest coverage
-109.83x 2023
2022
2023
Q1: -0.68x
Med: 0.0x
Q3: 0.46x
Average -50 pts over 2 years

In 2023, the interest coverage of JOEL (-109.8x) 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.

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

0 €

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 and payment terms evolution
JOEL

Positioning of JOEL in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Similar companies (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare JOEL with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about JOEL

What is the revenue of JOEL ?

The revenue of JOEL in 2023 is 31 k€.

Is JOEL profitable?

Yes, JOEL generated a net profit of 2.5 M€ in 2023.

Where is the headquarters of JOEL ?

The headquarters of JOEL is located in PARIS (75016), in the department Paris.

Where to find the tax return of JOEL ?

The tax return of JOEL 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 JOEL operate?

JOEL operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.