SIREN : 418152906
H O T FINANCES is a French company founded 28 years ago, specialized in the sector Activités des sièges sociaux. Based in ROANNE (42300), this company of category PME shows in 2025 a revenue of 200 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 200 000 € | 300 000 € | 336 000 € | 274 000 € | 360 000 € | 360 365 € | 384 975 € | 384 937 € | 383 798 € | 309 680 € |
| Net income | 254 416 € | 719 220 € | 128 271 € | 1 577 522 € | 249 125 € | 342 688 € | 963 573 € | 727 828 € | 591 790 € | 243 520 € |
| EBITDA | 14 632 € | 106 643 € | 21 091 € | -244 982 € | -161 913 € | -130 475 € | -75 462 € | 27 640 € | 41 433 € | -53 984 € |
| Net margin | 127.2% | 239.7% | 38.2% | 575.7% | 69.2% | 95.1% | 250.3% | 189.1% | 154.2% | 78.6% |
In 2025, H O T FINANCES achieves revenue of 200 k€. Activity remains stable over the period (CAGR: -4.7%). Significant drop of -33% vs 2024. After deducting consumption (0 €), gross margin stands at 200 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 15 k€, representing 7.3% of revenue. Warning negative scissor effect: despite revenue change (-33%), EBITDA varies by -86%, reducing margin by 28.2 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 254 k€, i.e. 127.2% of revenue. This profit can be retained or distributed to shareholders.
200 000 €
200 000 €
14 632 €
14 630 €
254 416 €
7.3%
The debt ratio (= Financial debt / Equity x 100) stands at 4%. 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 94%. 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 1.2 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 146.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
4.372%
94.332%
146.863%
1.159
In 2025, the debt ratio of H O T FINANCES (4.37) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of H O T FINANCES (94.3%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.
In 2025, the repayment capacity of H O T FINANCES (1.16) 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 5001.72. 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 1217.0x. Operating income very largely covers interest expenses: high safety margin.
5001.719
1217.024
In 2025, the liquidity ratio of H O T FINANCES (5001.72) 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 2025, the interest coverage of H O T FINANCES (1217.0x) 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: 45 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 58 days. Favorable situation: supplier credit is longer than customer credit by 13 days. WCR is negative (-147 days): operations structurally generate cash. Notable WCR improvement over the period (-395%), freeing up cash.
-81 900 €
45 j
58 j
0 j
-147 j
Based on 54 transactions of similar company sales
in 2025,
the value of H O T FINANCES is estimated at
186 350 €
(range 62 463€ - 350 939€).
With an EBITDA of 14 632€, the sector multiple of 1.1x is applied.
The price/revenue ratio is 0.63x
(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 O T FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of H O T FINANCES in 2025 is 200 k€.
Yes, H O T FINANCES generated a net profit of 254 k€ in 2025.
The headquarters of H O T FINANCES is located in ROANNE (42300), in the department Loire.
The tax return of H O T 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 O T FINANCES operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.