SIREN : 504635889
H & A FINANCES is a French company founded 17 years ago, specialized in the sector Activités des sociétés holding. Based in LA TALAUDIERE (42350), this company of category PME shows in 2024 a revenue of 280 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 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 279 884 € | 234 000 € | N/C | 182 936 € | 223 057 € | 172 876 € | 143 545 € | 146 100 € | 138 154 € |
| Net income | 194 090 € | 90 877 € | 0 € | 4 564 € | 72 138 € | 10 809 € | 61 934 € | 66 566 € | 84 057 € |
| EBITDA | -24 375 € | -15 811 € | N/C | 8 € | 44 313 € | 7 959 € | -23 070 € | -909 € | 15 357 € |
| Net margin | 69.3% | 38.8% | N/C | 2.5% | 32.3% | 6.3% | 43.1% | 45.6% | 60.8% |
In 2024, H & A FINANCES achieves revenue of 280 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +9.2%. Vs 2023, growth of +20% (234 k€ -> 280 k€). After deducting consumption (0 €), gross margin stands at 280 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 -24 k€, representing -8.7% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 194 k€, i.e. 69.3% of revenue. This profit can be retained or distributed to shareholders.
279 884 €
279 884 €
-24 375 €
-15 476 €
194 090 €
-8.7%
The debt ratio (= Financial debt / Equity x 100) stands at 2%. 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 2%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Cash flow represents 69.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
1.719%
1.567%
69.347%
0.0
21.2%
In 2024, the debt ratio of H & A FINANCES (1.72) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of H & A FINANCES (1.6%) 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 2024, the repayment capacity of H & A FINANCES (0.00) 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 558.55. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
558.552
-1.054
In 2024, the liquidity ratio of H & A FINANCES (558.55) 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 2024, the interest coverage of H & A FINANCES (-1.1x) 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: 62 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. The company must finance 23 days of gap between collections and payments. Overall, WCR represents 268 days of revenue, i.e. 208 k€ to permanently finance. Over 2016-2024, WCR increased by +669%, requiring additional financing.
207 987 €
62 j
39 j
0 j
268 j
Based on 54 transactions of similar company sales
in 2024,
the value of H & A FINANCES is estimated at
212 218 €
(range 133 801€ - 697 362€).
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 H & A FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of H & A FINANCES in 2024 is 280 k€.
Yes, H & A FINANCES generated a net profit of 194 k€ in 2024.
The headquarters of H & A FINANCES is located in LA TALAUDIERE (42350), in the department Loire.
The tax return of H & A 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).
H & A 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.