SIREN : 501839419
VALJEAN FINANCES is a French company founded 18 years ago, specialized in the sector Fonds de placement et entités financières similaires. Based in CHOLET (49300), this company of category PME shows in 2025 a revenue of 169 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 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 169 373 € | 142 035 € | 196 109 € | 137 012 € | 273 251 € | 259 198 € | 549 196 € | 305 771 € |
| Net income | 85 384 € | 99 689 € | 202 283 € | 148 566 € | 51 002 € | -36 307 € | 166 864 € | -87 947 € |
| EBITDA | -103 603 € | -69 968 € | 10 015 € | -70 083 € | -47 088 € | -58 346 € | -61 034 € | -66 756 € |
| Net margin | 50.4% | 70.2% | 103.1% | 108.4% | 18.7% | -14.0% | 30.4% | -28.8% |
In 2025, VALJEAN FINANCES achieves revenue of 169 k€. Revenue is declining over the period 2016-2025 (CAGR: -6.4%). Vs 2024, growth of +19% (142 k€ -> 169 k€). After deducting consumption (0 €), gross margin stands at 169 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 -104 k€, representing -61.2% of revenue. Warning negative scissor effect: despite revenue change (+19%), EBITDA varies by -48%, reducing margin by 11.9 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 85 k€, i.e. 50.4% of revenue. This profit can be retained or distributed to shareholders.
169 373 €
169 373 €
-103 603 €
-104 547 €
85 384 €
-61.2%
The debt ratio (= Financial debt / Equity x 100) stands at 67%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 57%. 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 30.9 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 32.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
67.482%
57.393%
32.117%
30.942
40.6%
In 2025, the debt ratio of VALJEAN FINANCES (67.48) 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 2025, the financial autonomy of VALJEAN FINANCES (57.4%) 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 2025, the repayment capacity of VALJEAN FINANCES (30.94) 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 1789.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
1789.129
-59.889
In 2025, the liquidity ratio of VALJEAN FINANCES (1789.13) 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 2025, the interest coverage of VALJEAN FINANCES (-59.9x) 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: 37 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 19 days. The company must finance 18 days of gap between collections and payments. Overall, WCR represents 6137 days of revenue, i.e. 2.9 M€ to permanently finance. Over 2016-2025, WCR increased by +79%, requiring additional financing.
2 887 290 €
37 j
19 j
0 j
6137 j
Based on 170 transactions of similar company sales (all years), the value of VALJEAN FINANCES is estimated at 426 124 € (range 267 630€ - 634 891€). The price/revenue ratio is 0.71x (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.
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This estimate is based on the analysis of 170 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 VALJEAN FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Fonds de placement et entités financières similaires
The revenue of VALJEAN FINANCES in 2025 is 169 k€.
Yes, VALJEAN FINANCES generated a net profit of 85 k€ in 2025.
The headquarters of VALJEAN FINANCES is located in CHOLET (49300), in the department Maine-et-Loire.
The tax return of VALJEAN 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).
VALJEAN FINANCES 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.