SIREN : 793956582
HBFC FINANCE is a French company founded 12 years ago, specialized in the sector Activités des sociétés holding. Based in BAIE-MAHAULT (97122), this company of category PME shows in 2024 a revenue of 362 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 361 680 € | 442 510 € | 624 968 € | 1 041 881 € | 1 370 712 € | N/C | N/C | N/C |
| Net income | 1 449 703 € | 970 815 € | 697 314 € | 443 309 € | -1 333 584 € | -427 645 € | 222 943 € | 430 157 € |
| EBITDA | 45 504 € | 44 324 € | 67 846 € | 80 766 € | 99 406 € | -46 254 € | -87 072 € | -43 851 € |
| Net margin | 400.8% | 219.4% | 111.6% | 42.5% | -97.3% | N/C | N/C | N/C |
In 2024, HBFC FINANCE achieves revenue of 362 k€. Revenue is declining over the period 2020-2024 (CAGR: -28.3%). Significant drop of -18% vs 2023. After deducting consumption (0 €), gross margin stands at 362 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 46 k€, representing 12.6% of revenue. Positive scissor effect: EBITDA margin improves by +2.6 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 1.4 M€, i.e. 400.8% of revenue. This profit can be retained or distributed to shareholders.
361 680 €
361 680 €
45 504 €
-19 592 €
1 449 703 €
12.6%
The debt ratio (= Financial debt / Equity x 100) stands at 66%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 47%. 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 1.4 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 415.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
65.735%
47.013%
415.01%
1.443
20.6%
In 2024, the debt ratio of HBFC FINANCE (65.73) 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 2024, the financial autonomy of HBFC FINANCE (47.0%) 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 HBFC FINANCE (1.44) 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 332.75. 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 12.2x. Operating income very largely covers interest expenses: high safety margin.
332.745
12.184
In 2024, the liquidity ratio of HBFC FINANCE (332.75) 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 HBFC FINANCE (12.2x) 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: 1294 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 306 days. The gap of 988 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 1621 days of revenue, i.e. 1.6 M€ to permanently finance.
1 628 287 €
1294 j
306 j
0 j
1621 j
Based on 54 transactions of similar company sales
in 2024,
the value of HBFC FINANCE is estimated at
597 211 €
(range 328 343€ - 2 430 962€).
With an EBITDA of 45 504€, the sector multiple of 4.8x is applied.
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 HBFC FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of HBFC FINANCE in 2024 is 362 k€.
Yes, HBFC FINANCE generated a net profit of 1.4 M€ in 2024.
The headquarters of HBFC FINANCE is located in BAIE-MAHAULT (97122), in the department Guadeloupe.
The tax return of HBFC 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).
HBFC FINANCE 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.