RJO CONSEILS ET PARTICIPATIONS : revenue, balance sheet and financial ratios

RJO CONSEILS ET PARTICIPATIONS is a French company founded 12 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in LA TOUR-EN-MAURIENNE (73300), this company of category PME shows in 2024 a revenue of 1.1 M€. 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 - RJO CONSEILS ET PARTICIPATIONS (SIREN 799322128)
Indicator 2024 2023 2022 2021 2020 2018 2017
Revenue 1 124 408 € 1 603 629 € 1 564 064 € N/C 1 333 611 € 1 142 038 € 3 486 043 €
Net income 1 555 030 € 856 367 € 580 313 € 309 223 € 1 323 525 € 94 861 € 740 134 €
EBITDA 314 721 € 600 527 € -167 854 € N/C 148 799 € 373 280 € 911 155 €
Net margin 138.3% 53.4% 37.1% N/C 99.2% 8.3% 21.2%

Revenue and income statement

In 2024, RJO CONSEILS ET PARTICIPATIONS achieves revenue of 1.1 M€. Revenue is declining over the period 2017-2024 (CAGR: -14.9%). Significant drop of -30% vs 2023. After deducting consumption (5 k€), gross margin stands at 1.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 315 k€, representing 28.0% of revenue. Warning negative scissor effect: despite revenue change (-30%), EBITDA varies by -48%, reducing margin by 9.5 pts. This reflects costs rising faster than 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 1.6 M€, i.e. 138.3% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 124 408 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 119 408 €

EBITDA (2024) ?
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

314 721 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

190 007 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

1 555 030 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

28.0%

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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 8%. 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 84%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 136.6% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

7.62%

Financial autonomy (2024) ?
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

83.919%

Cash flow / Revenue (2024) ?
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

136.623%

Repayment capacity (2024) ?
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

0.313

Asset age ratio (2024) ?
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

70.4%

Solvency indicators evolution
RJO CONSEILS ET PARTICIPATIONS

Sector positioning

Debt ratio
7.62 2024
2022
2023
2024
Q1: 0.01
Med: 13.69
Q3: 116.56
Good -12 pts over 3 years

In 2024, the debt ratio of RJO CONSEILS ET PARTICIPA... (7.62) 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
83.92% 2024
2022
2023
2024
Q1: 13.95%
Med: 55.8%
Q3: 90.35%
Good +6 pts over 3 years

In 2024, the financial autonomy of RJO CONSEILS ET PARTICIPA... (83.9%) 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.

Repayment capacity
0.31 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.15 years
Q3: 4.69 years
Average -17 pts over 3 years

In 2024, the repayment capacity of RJO CONSEILS ET PARTICIPA... (0.31) 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 522.20. 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 39.6x. Operating income very largely covers interest expenses: high safety margin.

Liquidity ratio (2024) ?
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

522.195

Interest coverage (2024) ?
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

39.592

Liquidity indicators evolution
RJO CONSEILS ET PARTICIPATIONS

Sector positioning

Liquidity ratio
522.2 2024
2022
2023
2024
Q1: 132.35
Med: 897.73
Q3: 5412.13
Average -14 pts over 3 years

In 2024, the liquidity ratio of RJO CONSEILS ET PARTICIPA... (522.20) 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.

Interest coverage
39.59x 2024
2022
2023
2024
Q1: -144.56x
Med: -8.16x
Q3: 0.0x
Excellent +50 pts over 3 years

In 2024, the interest coverage of RJO CONSEILS ET PARTICIPA... (39.6x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 275 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 308 days. Excellent situation: suppliers finance 33 days of the operating cycle (retail model). Inventory turnover is 3 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 845 days of revenue, i.e. 2.6 M€ to permanently finance. Over 2017-2024, WCR increased by +214%, requiring additional financing.

Operating WCR (2024) ?
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

2 638 581 €

Customer credit (2024) ?
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

275 j

Supplier credit (2024) ?
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

308 j

Inventory turnover (2024) ?
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

3 j

WCR in days of revenue (2024) ?
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

845 j

WCR and payment terms evolution
RJO CONSEILS ET PARTICIPATIONS

Positioning of RJO CONSEILS ET PARTICIPATIONS in its sector

Comparison with sector Fonds de placement et entités financières similaires

Valuation estimate

Indicative estimate only : the number of comparable transactions in this sector is limited (26 transactions). This range of 1 860 161€ to 8 165 047€ is provided for information purposes only and requires in-depth analysis to be confirmed.

Estimated enterprise value 2024
Indicative
1860k€ 5710k€ 8165k€
5 710 830 € Range: 1 860 161€ - 8 165 047€
NAF 5 année 2024

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 26 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 (Fonds de placement et entités financières similaires)

Compare RJO CONSEILS ET PARTICIPATIONS with other companies in the same sector:

Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires

Frequently asked questions about RJO CONSEILS ET PARTICIPATIONS

What is the revenue of RJO CONSEILS ET PARTICIPATIONS ?

The revenue of RJO CONSEILS ET PARTICIPATIONS in 2024 is 1.1 M€.

Is RJO CONSEILS ET PARTICIPATIONS profitable?

Yes, RJO CONSEILS ET PARTICIPATIONS generated a net profit of 1.6 M€ in 2024.

Where is the headquarters of RJO CONSEILS ET PARTICIPATIONS ?

The headquarters of RJO CONSEILS ET PARTICIPATIONS is located in LA TOUR-EN-MAURIENNE (73300), in the department Savoie.

Where to find the tax return of RJO CONSEILS ET PARTICIPATIONS ?

The tax return of RJO CONSEILS ET PARTICIPATIONS 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 RJO CONSEILS ET PARTICIPATIONS operate?

RJO CONSEILS ET PARTICIPATIONS operates in the sector Fonds de placement et entités financières similaires (NAF code 64.30Z). See the 'Sector positioning' section above to compare the company with its competitors.