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JULIOM : revenue, balance sheet and financial ratios

JULIOM is a French company founded 16 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in TOURS (37000), this company of category PME shows in 2018 a revenue of 454 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 - JULIOM (SIREN 514167238)
Indicator 2023 2018
Revenue N/C 453 938 €
Net income 113 629 € 58 911 €
EBITDA N/C 79 598 €
Net margin N/C 13.0%

Revenue and income statement

In 2023, JULIOM generates positive net income of 114 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2018-2023: 59 k€ -> 114 k€.

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

113 629 €

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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 1%. 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 87%. 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

0.963%

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

87.406%

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

39.6%

Solvency indicators evolution
JULIOM

Sector positioning

Debt ratio
0.96 2023
2018
2023
Q1: 0.0
Med: 8.56
Q3: 49.67
Good -26 pts over 2 years

In 2023, the debt ratio of JULIOM (0.96) 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
87.41% 2023
2018
2023
Q1: 14.09%
Med: 47.12%
Q3: 74.18%
Excellent

In 2023, the financial autonomy of JULIOM (87.4%) 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
1.3 years 2018
2018
Q1: 0.0 years
Med: 0.04 years
Q3: 2.03 years
Average

In 2018, the repayment capacity of JULIOM (1.30) 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 307.87. 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

307.866

Liquidity indicators evolution
JULIOM

Sector positioning

Liquidity ratio
307.87 2023
2018
2023
Q1: 123.5
Med: 243.58
Q3: 584.99
Good +28 pts over 2 years

In 2023, the liquidity ratio of JULIOM (307.87) 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.

Interest coverage
1.55x 2018
2018
Q1: 0.0x
Med: 0.0x
Q3: 2.72x
Good

In 2018, the interest coverage of JULIOM (1.6x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. 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.

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

0 €

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

0 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

0 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 and payment terms evolution
JULIOM

Positioning of JULIOM in its sector

Comparison with sector Activités des agents et courtiers d'assurances

Valuation estimate

Based on 193 transactions of similar company sales (all years), the value of JULIOM is estimated at 228 697 € (range 108 178€ - 1 044 209€). 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 2023
193 transactions
108k€ 228k€ 1044k€
228 697 € Range: 108 178€ - 1 044 209€
NAF 5 all-time

Valuation method used

Net Income Multiple
113 629 € × 2.0x = 228 698 €
Range: 108 178€ - 1 044 210€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 193 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 (Activités des agents et courtiers d'assurances)

Compare JULIOM with other companies in the same sector:

Frequently asked questions about JULIOM

What is the revenue of JULIOM ?

The revenue of JULIOM in 2018 is 454 k€.

Is JULIOM profitable?

Yes, JULIOM generated a net profit of 114 k€ in 2023.

Where is the headquarters of JULIOM ?

The headquarters of JULIOM is located in TOURS (37000), in the department Indre-et-Loire.

Where to find the tax return of JULIOM ?

The tax return of JULIOM 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 JULIOM operate?

JULIOM operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.