JULIA MONGIN SARL : revenue, balance sheet and financial ratios

JULIA MONGIN SARL is a French company founded 14 years ago, specialized in the sector Autres activités des services financiers, hors assurance et caisses de retraite, n.c.a.. Based in ISLE (87170), this company of category PME shows in 2025 a revenue of 228 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-09-19

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

Synthèse

Santé financière : Saine

Aucun signal de fragilité majeur : rentabilité positive et structure financière équilibrée.

In summary, JULIA MONGIN SARL combines a growing business with positive profitability. Its financial structure is solid, with debt well contained relative to its sector.

Financial history - JULIA MONGIN SARL (SIREN 538350919)
Indicator 2025 2024 2023 2022 2019 2018
Revenue 228 000 € 228 000 € 188 000 € 180 000 € 180 000 € 180 000 €
Net income 339 447 € 324 895 € 13 583 € 63 780 € 84 578 € 64 648 €
EBITDA 52 503 € 53 546 € 13 629 € 20 397 € 23 111 € 29 901 €
Net margin 148.9% 142.5% 7.2% 35.4% 47.0% 35.9%

Revenue and income statement

In 2025, JULIA MONGIN SARL achieves revenue of 228 k€. Revenue is growing positively over 6 years (CAGR: +4.0%). Slight decline of 0% vs 2024. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 53 k€, representing 23.0% of revenue. This ratio is less favorable than the sector median (100.0%) and warrants attention. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 339 k€, i.e. 148.9% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

228 000 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

228 000 €

EBITDA (2025) ?
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

52 503 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

51 712 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

339 447 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

23.0%

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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 111%. Compared with its sector, this ratio places the company among the best positioned (sector median: 236.9%). Financial autonomy (= Equity / Total assets x 100) reaches 47%. This ratio is less favorable than the sector median (70.3%) and warrants attention. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 5.5 years of cash flow to repay all financial debt. This ratio is less favorable than the sector median (2.0 years) and warrants attention. Cash flow represents 151.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Compared with its sector, this ratio places the company among the best positioned (sector median: 100.0%).

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

111.48%

Financial autonomy (2025) ?
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

47.03%

Cash flow / Revenue (2025) ?
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

151.67%

Repayment capacity (2025) ?
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

5.47

Asset age ratio (2025) ?
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

3.2%

Solvency indicators evolution
JULIA MONGIN SARL

Sector positioning

Debt ratio
111.48% 2025
Q1: 236.44%
Med: 236.91%
Q3: 237.0%
Excellent -64 pts over 3 years

In 2025, the debt ratio of JULIA MONGIN SARL (111.5%) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
47.03% 2025
Q1: 70.29%
Med: 70.32%
Q3: 70.33%
Watch +8 pts over 3 years

In 2025, the financial autonomy of JULIA MONGIN SARL (47.0%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
5.47 years 2025
Q1: 0.86 years
Med: 1.96 years
Q3: 3.08 years
Watch -18 pts over 3 years

In 2025, the repayment capacity of JULIA MONGIN SARL (5.47) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 4.77. This ratio is more favorable than the sector median (2.5). Interest expenses are negligible: the company carries almost no interest-bearing financial debt, making the coverage ratio not meaningful.

Liquidity ratio (2025) ?
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

4.77

Interest coverage (2025) ?
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

175.86

Liquidity indicators evolution
JULIA MONGIN SARL

Sector positioning

Liquidity ratio
4.77 2025
Q1: 1.03
Med: 2.49
Q3: 10.55
Good -41 pts over 3 years

In 2025, the liquidity ratio of JULIA MONGIN SARL (4.77) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 123 days. Excellent situation: suppliers finance 123 days of the operating cycle (retail model). WCR is negative (-23 days): operations structurally generate cash. Between 2022 and 2025, WCR improved by 93 days of revenue, freeing up cash.

Operating WCR (2025) ?
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

-14 455 €

Customer credit (2025) ?
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 (2025) ?
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

123 j

Inventory turnover (2025) ?
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 (2025) ?
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

-23 j

WCR and payment terms evolution
JULIA MONGIN SARL

Positioning of JULIA MONGIN SARL in its sector

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

Valuation estimate

Based on 142 transactions of similar company sales (all years), the value of JULIA MONGIN SARL is estimated at 744 564 € (range 41 022€ - 1 513 545€). With an EBITDA of 52 503€, the sector multiple of 2.6x is applied. The price/revenue ratio is 0.40x (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.

Estimated enterprise value 2025
142 transactions
41k€ 744k€ 1513k€
744 564 € Range: 41 022€ - 1 513 545€
NAF 4 all-time Aggregated at NAF sub-class level

Valuation detail by method

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EBITDA Multiple 50%
52 503 € × 2.6x
Estimation 138 869 €
14 108€ - 243 394€
Revenue Multiple 30%
228 000 € × 0.40x
Estimation 92 267 €
25 092€ - 189 751€
Net Income Multiple 20%
339 447 € × 9.5x
Estimation 3 237 250 €
132 205€ - 6 674 619€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 142 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 (Autres activités des services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare JULIA MONGIN SARL with other companies in the same sector:

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

Top companies in Autres activités des services financiers, hors assurance et caisses de retraite, n.c.a.

Largest companies by revenue in the sector Autres activités des services financiers, hors assurance et caisses de retraite, n.c.a.:

Top companies in Haute-Vienne

Largest companies by revenue in the department Haute-Vienne:

Voir le classement complet du département Haute-Vienne

Frequently asked questions about JULIA MONGIN SARL

What is the revenue of JULIA MONGIN SARL ?

The revenue of JULIA MONGIN SARL in 2025 is 228 k€.

Is JULIA MONGIN SARL profitable?

Yes, JULIA MONGIN SARL generated a net profit of 339 k€ in 2025.

Where is the headquarters of JULIA MONGIN SARL ?

The headquarters of JULIA MONGIN SARL is located in ISLE (87170), in the department Haute-Vienne.

Where to find the tax return of JULIA MONGIN SARL ?

The tax return of JULIA MONGIN SARL 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 JULIA MONGIN SARL operate?

JULIA MONGIN SARL operates in the sector Autres activités des services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 64.99Z). See the 'Sector positioning' section above to compare the company with its competitors.