SIREN : 503379901
TJ FINANCES is a French company founded 18 years ago, specialized in the sector Activités des sociétés holding. Based in SAINT-VINCENT-SUR-GRAON (85540), this company of category PME shows in 2024 a revenue of 596 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 596 317 € | 592 789 € | 467 293 € | 417 161 € | 415 205 € | 417 985 € | 389 920 € | 386 433 € | 358 953 € | 340 685 € |
| Net income | 179 024 € | 222 874 € | 89 921 € | 377 841 € | 55 766 € | 43 711 € | 38 746 € | 47 229 € | 26 468 € | 30 564 € |
| EBITDA | 149 916 € | 156 384 € | 143 157 € | 123 418 € | 101 934 € | 86 298 € | 74 683 € | 93 196 € | 63 053 € | 60 972 € |
| Net margin | 30.0% | 37.6% | 19.2% | 90.6% | 13.4% | 10.5% | 9.9% | 12.2% | 7.4% | 9.0% |
In 2024, TJ FINANCES achieves revenue of 596 k€. Over the period 2015-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.4%. Vs 2023: +1%. After deducting consumption (0 €), gross margin stands at 596 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 150 k€, representing 25.1% 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 179 k€, i.e. 30.0% of revenue. This profit can be retained or distributed to shareholders.
596 317 €
596 317 €
149 916 €
123 150 €
179 024 €
25.1%
The debt ratio (= Financial debt / Equity x 100) stands at 24%. 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 77%. 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 1.9 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 35.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
23.701%
76.72%
35.864%
1.919
58.1%
In 2024, the debt ratio of TJ FINANCES (23.70) 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 TJ FINANCES (76.7%) 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 TJ FINANCES (1.92) 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 860.96. 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 14.5x. Operating income very largely covers interest expenses: high safety margin.
860.961
14.536
In 2024, the liquidity ratio of TJ FINANCES (860.96) 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 2024, the interest coverage of TJ FINANCES (14.5x) 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: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 24 days. The company must finance 13 days of gap between collections and payments. Overall, WCR represents 17 days of revenue, i.e. 28 k€ to permanently finance. Over 2015-2024, WCR increased by +55%, requiring additional financing.
28 307 €
37 j
24 j
0 j
17 j
Based on 54 transactions of similar company sales
in 2024,
the value of TJ FINANCES is estimated at
520 087 €
(range 160 226€ - 1 017 290€).
With an EBITDA of 149 916€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 TJ FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of TJ FINANCES in 2024 is 596 k€.
Yes, TJ FINANCES generated a net profit of 179 k€ in 2024.
The headquarters of TJ FINANCES is located in SAINT-VINCENT-SUR-GRAON (85540), in the department Vendee.
The tax return of TJ FINANCES 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).
TJ FINANCES 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.