JOUAN ASSOC INVEST MANAG SERVICES : revenue, balance sheet and financial ratios

JOUAN ASSOC INVEST MANAG SERVICES is a French company founded 22 years ago, specialized in the sector Agences immobilières. Based in SAINT-VIVIEN (17220), this company of category PME shows in 2023 a revenue of 14 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 - JOUAN ASSOC INVEST MANAG SERVICES (SIREN 451619233)
Indicator 2023 2022 2021 2020 2019 2018 2017
Revenue 13 842 € 63 600 € 82 517 € 23 267 € 121 900 € 57 300 € 600 €
Net income 60 741 € 22 857 € -1 560 € -7 837 € 62 876 € 27 527 € -57 925 €
EBITDA -24 165 € 27 780 € -2 625 € -8 722 € 76 626 € 25 329 € -60 657 €
Net margin 438.8% 35.9% -1.9% -33.7% 51.6% 48.0% -9654.2%

Revenue and income statement

In 2023, JOUAN ASSOC INVEST MANAG SERVICES achieves revenue of 14 k€. Over the period 2017-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +68.7%. Significant drop of -78% vs 2022. After deducting consumption (0 €), gross margin stands at 14 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 -24 k€, representing -174.6% of revenue. Warning negative scissor effect: despite revenue change (-78%), EBITDA varies by -187%, reducing margin by 218.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 61 k€, i.e. 438.8% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2023) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

13 842 €

Gross margin (2023) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

13 842 €

EBITDA (2023) ?
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

-24 165 €

EBIT (2023) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-28 233 €

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

60 741 €

EBITDA margin (2023) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-174.6%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 93%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

1.82%

Financial autonomy (2023) ?
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

92.641%

Cash flow / Revenue (2023) ?
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

-185.327%

Repayment capacity (2023) ?
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

-0.102

Asset age ratio (2023) ?
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

49.0%

Solvency indicators evolution
JOUAN ASSOC INVEST MANAG SERVICES

Sector positioning

Debt ratio
1.82 2023
2021
2022
2023
Q1: 0.0
Med: 11.28
Q3: 68.41
Good -33 pts over 3 years

In 2023, the debt ratio of JOUAN ASSOC INVEST MANAG ... (1.82) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
92.64% 2023
2021
2022
2023
Q1: 3.91%
Med: 28.47%
Q3: 61.04%
Excellent

In 2023, the financial autonomy of JOUAN ASSOC INVEST MANAG ... (92.6%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
-0.1 years 2023
2021
2022
2023
Q1: -0.13 years
Med: 0.0 years
Q3: 1.25 years
Good +6 pts over 3 years

In 2023, the repayment capacity of JOUAN ASSOC INVEST MANAG ... (-0.10) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 1651.77. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

1651.768

Interest coverage (2023) ?
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
JOUAN ASSOC INVEST MANAG SERVICES

Sector positioning

Liquidity ratio
1651.77 2023
2021
2022
2023
Q1: 106.71
Med: 191.54
Q3: 498.6
Excellent

In 2023, the liquidity ratio of JOUAN ASSOC INVEST MANAG ... (1651.77) 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
0.0x 2023
2021
2022
2023
Q1: 0.0x
Med: 0.0x
Q3: 0.95x
Average

In 2023, the interest coverage of JOUAN ASSOC INVEST MANAG ... (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: 143 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 27 days. The gap of 116 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 118 days of revenue, i.e. 5 k€ to permanently finance. Notable WCR improvement over the period (-56%), freeing up cash.

Operating WCR (2023) ?
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

4 537 €

Customer credit (2023) ?
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

143 j

Supplier credit (2023) ?
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

27 j

Inventory turnover (2023) ?
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 (2023) ?
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

118 j

WCR and payment terms evolution
JOUAN ASSOC INVEST MANAG SERVICES

Positioning of JOUAN ASSOC INVEST MANAG SERVICES in its sector

Comparison with sector Agences immobilières

Valuation estimate

Based on 63 transactions of similar company sales in 2023, the value of JOUAN ASSOC INVEST MANAG SERVICES is estimated at 56 697 € (range 19 252€ - 142 705€). The price/revenue ratio is 0.30x (conservative valuation). 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 2023
63 tx
19k€ 56k€ 142k€
56 697 € Range: 19 252€ - 142 705€
NAF 5 année 2023

Valuation detail by method

Ajustez les pondérations selon votre analyse

Revenue Multiple 30%
13 842 € × 0.30x
Estimation 4 216 €
1 846€ - 8 043€
Net Income Multiple 20%
60 741 € × 2.2x
Estimation 135 420 €
45 363€ - 344 699€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 63 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 (Agences immobilières)

Compare JOUAN ASSOC INVEST MANAG SERVICES with other companies in the same sector:

Voir toutes les statistiques du secteur Agences immobilières

Frequently asked questions about JOUAN ASSOC INVEST MANAG SERVICES

What is the revenue of JOUAN ASSOC INVEST MANAG SERVICES ?

The revenue of JOUAN ASSOC INVEST MANAG SERVICES in 2023 is 14 k€.

Is JOUAN ASSOC INVEST MANAG SERVICES profitable?

Yes, JOUAN ASSOC INVEST MANAG SERVICES generated a net profit of 61 k€ in 2023.

Where is the headquarters of JOUAN ASSOC INVEST MANAG SERVICES ?

The headquarters of JOUAN ASSOC INVEST MANAG SERVICES is located in SAINT-VIVIEN (17220), in the department Charente-Maritime.

Where to find the tax return of JOUAN ASSOC INVEST MANAG SERVICES ?

The tax return of JOUAN ASSOC INVEST MANAG SERVICES 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 JOUAN ASSOC INVEST MANAG SERVICES operate?

JOUAN ASSOC INVEST MANAG SERVICES operates in the sector Agences immobilières (NAF code 68.31Z). See the 'Sector positioning' section above to compare the company with its competitors.