SIREN : 490433810
JR FINANCES is a French company founded 20 years ago, specialized in the sector Activités des marchands de biens immobiliers. Based in LA ROCHELLE (17000), this company of category PME shows in 2024 a revenue of 769 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 769 201 € | 742 000 € | 702 008 € | 342 000 € | 342 000 € | 342 000 € | 495 100 € | N/C | N/C |
| Net income | 956 586 € | 788 189 € | 570 257 € | 1 804 350 € | 157 522 € | 693 882 € | 27 507 € | 97 710 € | 232 155 € |
| EBITDA | 114 336 € | 79 355 € | -37 928 € | -96 841 € | -14 044 € | 3 719 € | -24 624 € | -9 397 € | -4 198 € |
| Net margin | 124.4% | 106.2% | 81.2% | 527.6% | 46.1% | 202.9% | 5.6% | N/C | N/C |
In 2024, JR FINANCES achieves revenue of 769 k€. Over the period 2018-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +7.6%. Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 769 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 114 k€, representing 14.9% of revenue. Positive scissor effect: EBITDA margin improves by +4.2 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 957 k€, i.e. 124.4% of revenue. This profit can be retained or distributed to shareholders.
769 201 €
769 201 €
114 336 €
-5 987 €
956 586 €
14.9%
The debt ratio (= Financial debt / Equity x 100) stands at 181%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 35%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.8 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 142.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
180.543%
34.947%
142.607%
6.81
64.4%
In 2024, the debt ratio of JR FINANCES (180.54) 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 2024, the financial autonomy of JR FINANCES (35.0%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of JR FINANCES (6.81) 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 358.72. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months. The interest coverage ratio (= EBIT / Interest expenses) is 144.5x. Operating income very largely covers interest expenses: high safety margin.
358.716
144.492
In 2024, the liquidity ratio of JR FINANCES (358.72) 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.
In 2024, the interest coverage of JR FINANCES (144.5x) ranks in the top 25% of the sector. This ratio indicates how many times operating income covers interest expenses. High coverage means financial charges weigh little on profitability.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 229 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 131 days. The gap of 98 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 220 days of revenue, i.e. 470 k€ to permanently finance.
470 220 €
229 j
131 j
0 j
220 j
Indicative estimate only : the number of comparable transactions in this sector is limited (22 transactions). This range of 1 073 096€ to 4 180 553€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 22 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 JR FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des marchands de biens immobiliers
The revenue of JR FINANCES in 2024 is 769 k€.
Yes, JR FINANCES generated a net profit of 957 k€ in 2024.
The headquarters of JR FINANCES is located in LA ROCHELLE (17000), in the department Charente-Maritime.
The tax return of JR FINANCES 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).
JR FINANCES operates in the sector Activités des marchands de biens immobiliers (NAF code 68.10Z). See the 'Sector positioning' section above to compare the company with its competitors.