SIREN : 878443951
LA FINANCIERE SAINT JOSEPH is a French company founded 6 years ago, specialized in the sector Gestion de fonds. Based in ASNIERES-SUR-SEINE (92600), this company of category PME shows in 2023 a revenue of 220 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|
| Revenue | 220 041 € | 180 000 € | 147 500 € | 60 800 € |
| Net income | 491 500 € | 290 800 € | 84 845 € | 43 103 € |
| EBITDA | 114 764 € | 93 612 € | 16 367 € | 51 262 € |
| Net margin | 223.4% | 161.6% | 57.5% | 70.9% |
In 2023, LA FINANCIERE SAINT JOSEPH achieves revenue of 220 k€. Over the period 2020-2023, the company shows strong growth with a CAGR (compound annual growth rate) of +53.5%. Vs 2022, growth of +22% (180 k€ -> 220 k€). After deducting consumption (0 €), gross margin stands at 220 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 115 k€, representing 52.2% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 492 k€, i.e. 223.4% of revenue. This profit can be retained or distributed to shareholders.
220 041 €
220 041 €
114 764 €
143 061 €
491 500 €
52.2%
The debt ratio (= Financial debt / Equity x 100) stands at 129%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 43%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 2.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 223.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
129.119%
43.152%
223.601%
2.402
85.1%
In 2023, the debt ratio of LA FINANCIERE SAINT JOSEPH (129.12) 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 2023, the financial autonomy of LA FINANCIERE SAINT JOSEPH (43.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2023, the repayment capacity of LA FINANCIERE SAINT JOSEPH (2.40) 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 1823.09. 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 24.5x. Operating income very largely covers interest expenses: high safety margin.
1823.089
24.481
In 2023, the liquidity ratio of LA FINANCIERE SAINT JOSEPH (1823.09) 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.
In 2023, the interest coverage of LA FINANCIERE SAINT JOSEPH (24.5x) 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: 51 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 65 days. Favorable situation: supplier credit is longer than customer credit by 14 days. Overall, WCR represents 32 days of revenue, i.e. 20 k€ to permanently finance. Notable WCR improvement over the period (-64%), freeing up cash.
19 751 €
51 j
65 j
0 j
32 j
Based on 77 transactions of similar company sales
in 2023,
the value of LA FINANCIERE SAINT JOSEPH is estimated at
978 900 €
(range 450 785€ - 1 669 333€).
With an EBITDA of 114 764€, the sector multiple of 5.5x is applied.
The price/revenue ratio is 0.50x
(in line with sector norms).
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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 77 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 LA FINANCIERE SAINT JOSEPH with other companies in the same sector:
The revenue of LA FINANCIERE SAINT JOSEPH in 2023 is 220 k€.
Yes, LA FINANCIERE SAINT JOSEPH generated a net profit of 492 k€ in 2023.
The headquarters of LA FINANCIERE SAINT JOSEPH is located in ASNIERES-SUR-SEINE (92600), in the department Hauts-de-Seine.
The tax return of LA FINANCIERE SAINT JOSEPH 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).
LA FINANCIERE SAINT JOSEPH operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.