SIREN : 794754127
TJA FINANCE is a French company founded 12 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in VAUCHASSIS (10190), this company of category PME shows in 2021 a revenue of 10 k€. 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 | 2021 | 2020 |
|---|---|---|
| Revenue | 10 250 € | 28 184 € |
| Net income | -10 100 € | 100 732 € |
| EBITDA | -21 222 € | -40 090 € |
| Net margin | -98.5% | 357.4% |
In 2021, TJA FINANCE achieves revenue of 10 k€. Significant drop of -64% vs 2020. After deducting consumption (0 €), gross margin stands at 10 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 -21 k€, representing -207.0% of revenue. Warning negative scissor effect: despite revenue change (-64%), EBITDA varies by +47%, reducing margin by 64.8 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -10 k€ (-98.5% of revenue), which will impact equity.
10 250 €
10 250 €
-21 222 €
-42 963 €
-10 100 €
-207.0%
The debt ratio (= Financial debt / Equity x 100) stands at 169%. 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 29%. The balance between equity and debt is satisfactory.
168.619%
29.187%
-218.995%
-2.173
68.5%
In 2021, the debt ratio of TJA FINANCE (168.62) 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 TJA FINANCE (29.2%) 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 TJA FINANCE (-2.17) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.
The liquidity ratio (= Current assets / Current liabilities) stands at 90.43. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
90.428
-0.41
In 2021, the liquidity ratio of TJA FINANCE (90.43) 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.
In 2021, the interest coverage of TJA FINANCE (-0.4x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 1233 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 203 days. The gap of 1030 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 681 days of revenue, i.e. 19 k€ to permanently finance.
19 395 €
1233 j
203 j
0 j
681 j
Based on 178 transactions of similar company sales in 2021, the value of TJA FINANCE is estimated at 7 168 € (range 2 507€ - 18 873€). The price/revenue ratio is 0.70x (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.
Only this financial indicator is available for this company.
This estimate is based on the analysis of 178 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 TJA FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers
The revenue of TJA FINANCE in 2021 is 10 k€.
TJA FINANCE recorded a net loss in 2021.
The headquarters of TJA FINANCE is located in VAUCHASSIS (10190), in the department Aube.
The tax return of TJA 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).
TJA FINANCE operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.