SIREN : 531022036
HB FINANCES is a French company founded 15 years ago, specialized in the sector Gestion de fonds. Based in RILLY-LA-MONTAGNE (51500), this company of category PME shows in 2025 a revenue of 526 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 525 619 € | 499 696 € | 527 472 € | 559 991 € | 582 045 € | 394 020 € | 429 500 € | 369 500 € | 429 500 € | 409 500 € |
| Net income | 2 022 116 € | 60 161 € | 165 491 € | 255 521 € | 38 881 € | 50 707 € | 32 106 € | 62 021 € | 114 784 € | 135 541 € |
| EBITDA | -65 465 € | 60 211 € | 100 697 € | 132 548 € | 41 923 € | 64 448 € | 37 957 € | -9 884 € | 50 590 € | 91 188 € |
| Net margin | 384.7% | 12.0% | 31.4% | 45.6% | 6.7% | 12.9% | 7.5% | 16.8% | 26.7% | 33.1% |
In 2025, HB FINANCES achieves revenue of 526 k€. Revenue is growing positively over 10 years (CAGR: +2.8%). Vs 2024: +5%. After deducting consumption (0 €), gross margin stands at 526 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 -65 k€, representing -12.5% of revenue. Warning negative scissor effect: despite revenue change (+5%), EBITDA varies by -209%, reducing margin by 24.5 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 2.0 M€, i.e. 384.7% of revenue. This profit can be retained or distributed to shareholders.
525 619 €
525 619 €
-65 465 €
-65 462 €
2 022 116 €
-12.5%
The debt ratio (= Financial debt / Equity x 100) stands at 0%. 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 95%. 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 0.3 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 8.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
0.353%
94.883%
8.192%
0.296
In 2025, the debt ratio of HB FINANCES (0.35) 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 HB FINANCES (94.9%) 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 HB FINANCES (0.30) 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 2088.56. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
2088.56
-1.152
In 2025, the liquidity ratio of HB FINANCES (2088.56) 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 HB 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: 60 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 299 days. Excellent situation: suppliers finance 239 days of the operating cycle (retail model). Overall, WCR represents 141 days of revenue, i.e. 207 k€ to permanently finance. Over 2016-2025, WCR increased by +89%, requiring additional financing.
206 547 €
60 j
299 j
0 j
141 j
Indicative estimate only : the number of comparable transactions in this sector is limited (40 transactions). This range of 1 092 124€ to 6 622 795€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 40 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 HB FINANCES with other companies in the same sector:
The revenue of HB FINANCES in 2025 is 526 k€.
Yes, HB FINANCES generated a net profit of 2.0 M€ in 2025.
The headquarters of HB FINANCES is located in RILLY-LA-MONTAGNE (51500), in the department Marne.
The tax return of HB 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).
HB FINANCES operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.