SIREN : 797681392
SJ FINANCE is a French company founded 12 years ago, specialized in the sector Activités des sociétés holding. Based in BARLIN (62620), this company of category PME shows in 2021 a revenue of 249 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 | 2021 |
|---|---|
| Revenue | 249 327 € |
| Net income | 481 112 € |
| EBITDA | 25 968 € |
| Net margin | 193.0% |
In 2021, SJ FINANCE achieves revenue of 249 k€. After deducting consumption (6 k€), gross margin stands at 244 k€, i.e. a rate of 98%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 26 k€, representing 10.4% of revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 481 k€, i.e. 193.0% of revenue. This profit can be retained or distributed to shareholders.
249 327 €
243 695 €
25 968 €
-12 530 €
481 112 €
10.4%
The debt ratio (= Financial debt / Equity x 100) stands at 166%. 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 37%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 208.4% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
165.96%
37.462%
208.405%
7.593
92.3%
In 2021, the debt ratio of SJ FINANCE (165.96) 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 2021, the financial autonomy of SJ FINANCE (37.5%) 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 2021, the repayment capacity of SJ FINANCE (7.59) 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 13010.40. 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 66.0x. Operating income very largely covers interest expenses: high safety margin.
13010.4
66.024
In 2021, the liquidity ratio of SJ FINANCE (13010.40) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2021, the interest coverage of SJ FINANCE (66.0x) 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: 24 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. Favorable situation: supplier credit is longer than customer credit by 15 days. Overall, WCR represents 1238 days of revenue, i.e. 857 k€ to permanently finance.
857 376 €
24 j
39 j
0 j
1238 j
Based on 98 transactions of similar company sales
in 2021,
the value of SJ FINANCE is estimated at
564 052 €
(range 208 940€ - 1 481 416€).
With an EBITDA of 25 968€, the sector multiple of 5.2x is applied.
The price/revenue ratio is 0.46x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 98 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 SJ FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of SJ FINANCE in 2021 is 249 k€.
Yes, SJ FINANCE generated a net profit of 481 k€ in 2021.
The headquarters of SJ FINANCE is located in BARLIN (62620), in the department Pas-de-Calais.
The tax return of SJ FINANCE 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).
SJ FINANCE operates in the sector Activités des sociétés holding (NAF code 64.20Z). See the 'Sector positioning' section above to compare the company with its competitors.