SIREN : 518871348
SOJAM FINANCE is a French company founded 16 years ago, specialized in the sector Conseil pour les affaires et autres conseils de gestion. Based in CERGY (95000), this company of category PME shows in 2024 a revenue of 2.0 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1 982 871 € | 1 624 442 € | 1 733 824 € | 1 535 740 € | 1 598 907 € | 1 565 119 € | 1 456 563 € | 315 109 € | 979 343 € | 955 919 € |
| Net income | 4 001 333 € | 2 729 952 € | 2 878 508 € | 2 921 036 € | 3 177 880 € | 404 597 € | 1 977 572 € | 1 902 032 € | 1 662 848 € | 2 052 785 € |
| EBITDA | 915 026 € | 646 296 € | 730 216 € | 480 626 € | 588 458 € | 581 379 € | 58 188 € | -70 882 € | -20 062 € | 168 405 € |
| Net margin | 201.8% | 168.1% | 166.0% | 190.2% | 198.8% | 25.9% | 135.8% | 603.6% | 169.8% | 214.7% |
In 2024, SOJAM FINANCE achieves revenue of 2.0 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.5%. Vs 2023, growth of +22% (1.6 M€ -> 2.0 M€). After deducting consumption (0 €), gross margin stands at 2.0 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 915 k€, representing 46.1% of revenue. Positive scissor effect: EBITDA margin improves by +6.4 pts, sign of improved operational efficiency. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4.0 M€, i.e. 201.8% of revenue. This profit can be retained or distributed to shareholders.
1 982 871 €
1 982 871 €
915 026 €
875 174 €
4 001 333 €
46.1%
The debt ratio (= Financial debt / Equity x 100) stands at 72%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 56%. 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 2.7 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 187.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
71.883%
56.371%
187.886%
2.702
46.2%
In 2024, the debt ratio of SOJAM FINANCE (71.88) 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 2024, the financial autonomy of SOJAM FINANCE (56.4%) 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.
In 2024, the repayment capacity of SOJAM FINANCE (2.70) 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 1680.21. 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 81.5x. Operating income very largely covers interest expenses: high safety margin.
1680.212
81.518
In 2024, the liquidity ratio of SOJAM FINANCE (1680.21) 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 2024, the interest coverage of SOJAM FINANCE (81.5x) 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: 29 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 91 days. Excellent situation: suppliers finance 62 days of the operating cycle (retail model). Overall, WCR represents 226 days of revenue, i.e. 1.2 M€ to permanently finance.
1 247 067 €
29 j
91 j
0 j
226 j
Based on 69 transactions of similar company sales
in 2024,
the value of SOJAM FINANCE is estimated at
7 882 452 €
(range 2 708 076€ - 17 426 426€).
With an EBITDA of 915 026€, the sector multiple of 4.3x is applied.
The price/revenue ratio is 0.66x
(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 69 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 SOJAM FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Conseil pour les affaires et autres conseils de gestion
The revenue of SOJAM FINANCE in 2024 is 2.0 M€.
Yes, SOJAM FINANCE generated a net profit of 4.0 M€ in 2024.
The headquarters of SOJAM FINANCE is located in CERGY (95000), in the department Val-d'Oise.
The tax return of SOJAM 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).
SOJAM FINANCE operates in the sector Conseil pour les affaires et autres conseils de gestion (NAF code 70.22Z). See the 'Sector positioning' section above to compare the company with its competitors.