SIREN : 889640876
HC FINANCE is a French company founded 5 years ago, specialized in the sector Activités des sièges sociaux. Based in ROMILLE (35850), this company of category PME shows in 2024 a revenue of 405 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 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Revenue | 405 375 € | 380 812 € | 342 080 € | 229 716 € |
| Net income | 201 688 € | 202 781 € | 117 961 € | 106 694 € |
| EBITDA | 87 489 € | 81 458 € | 47 990 € | 16 098 € |
| Net margin | 49.8% | 53.2% | 34.5% | 46.4% |
In 2024, HC FINANCE achieves revenue of 405 k€. Over the period 2021-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +20.8%. Vs 2023: +6%. After deducting consumption (0 €), gross margin stands at 405 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 87 k€, representing 21.6% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 202 k€, i.e. 49.8% of revenue. This profit can be retained or distributed to shareholders.
405 375 €
405 375 €
87 489 €
24 509 €
201 688 €
21.6%
The debt ratio (= Financial debt / Equity x 100) stands at 52%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 51%. 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 65.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
51.513%
50.832%
65.544%
1.23
57.9%
In 2024, the debt ratio of HC FINANCE (51.51) 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 HC FINANCE (50.8%) 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 HC FINANCE (1.23) 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 50.13. 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 10.9x. Operating income very largely covers interest expenses: high safety margin.
50.127
10.894
In 2024, the liquidity ratio of HC FINANCE (50.13) 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 HC FINANCE (10.9x) 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: 94 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 33 days. The gap of 61 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. WCR is negative (-131 days): operations structurally generate cash. Over 2021-2024, WCR increased by +60%, requiring additional financing.
-147 151 €
94 j
33 j
0 j
-131 j
Based on 103 transactions of similar company sales in 2024, the value of HC FINANCE is estimated at 649 542 € (range 191 464€ - 1 489 566€). With an EBITDA of 87 489€, the sector multiple of 5.0x is applied. The price/revenue ratio is 0.38x (conservative valuation). 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 103 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 HC FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of HC FINANCE in 2024 is 405 k€.
Yes, HC FINANCE generated a net profit of 202 k€ in 2024.
The headquarters of HC FINANCE is located in ROMILLE (35850), in the department Ille-et-Vilaine.
The tax return of HC 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).
HC FINANCE 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.