SIREN : 501169825
HELOISE FINANCE 1 - MSN 37865 is a French company founded 18 years ago, specialized in the sector Crédit-bail . Based in PUTEAUX (92800), this company of category GE shows in 2024 a revenue of 4.2 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-05-09
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4 171 876 € | 4 027 667 € | 4 208 123 € | 3 832 501 € | 3 798 269 € | 3 934 759 € | 3 817 946 € | 3 809 682 € | 4 113 770 € |
| Net income | 312 200 € | 679 362 € | -150 011 € | -210 581 € | -259 763 € | -297 922 € | -424 337 € | -768 667 € | -1 187 636 € |
| EBITDA | 4 037 528 € | 3 971 851 € | 4 152 443 € | 3 776 842 € | 3 742 519 € | 3 879 062 € | 3 762 311 € | 3 754 088 € | 4 057 957 € |
| Net margin | 7.5% | 16.9% | -3.6% | -5.5% | -6.8% | -7.6% | -11.1% | -20.2% | -28.9% |
In 2024, HELOISE FINANCE 1 - MSN 37865 achieves revenue of 4.2 M€. Revenue is growing positively over 9 years (CAGR: +0.2%). Vs 2023: +4%. After deducting consumption (0 €), gross margin stands at 4.2 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 4.0 M€, representing 96.8% 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 312 k€, i.e. 7.5% of revenue. This profit can be retained or distributed to shareholders.
4 171 876 €
4 171 876 €
4 037 528 €
2 523 513 €
312 200 €
96.8%
The debt ratio (= Financial debt / Equity x 100) stands at -16152%. 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 -0%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 16.8 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 43.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
-16152.008%
-0.486%
43.774%
16.805
32.7%
In 2024, the debt ratio of HELOISE FINANCE 1 - MSN 3... (-16152.01) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.
In 2024, the financial autonomy of HELOISE FINANCE 1 - MSN 3... (-0.5%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2024, the repayment capacity of HELOISE FINANCE 1 - MSN 3... (16.80) 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 1.29. The company can meet its short-term commitments with a reasonable safety margin. The interest coverage ratio (= EBIT / Interest expenses) is 68.4x. Operating income very largely covers interest expenses: high safety margin.
1.294
68.388
In 2024, the liquidity ratio of HELOISE FINANCE 1 - MSN 3... (1.29) ranks in the bottom 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio below 1 may signal potential cash flow tensions.
In 2024, the interest coverage of HELOISE FINANCE 1 - MSN 3... (68.4x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 196 days. Excellent situation: suppliers finance 195 days of the operating cycle (retail model). WCR is negative (-661 days): operations structurally generate cash. Over 2016-2024, WCR increased by +45%, requiring additional financing.
-7 656 602 €
1 j
196 j
0 j
-661 j
Based on 142 transactions of similar company sales (all years), the value of HELOISE FINANCE 1 - MSN 37865 is estimated at 6 441 530 € (range 704 506€ - 11 627 978€). With an EBITDA of 4 037 528€, the sector multiple of 2.6x is applied. The price/revenue ratio is 0.40x (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 142 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 HELOISE FINANCE 1 - MSN 37865 with other companies in the same sector:
The revenue of HELOISE FINANCE 1 - MSN 37865 in 2024 is 4.2 M€.
Yes, HELOISE FINANCE 1 - MSN 37865 generated a net profit of 312 k€ in 2024.
The headquarters of HELOISE FINANCE 1 - MSN 37865 is located in PUTEAUX (92800), in the department Hauts-de-Seine.
The tax return of HELOISE FINANCE 1 - MSN 37865 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).
HELOISE FINANCE 1 - MSN 37865 operates in the sector Crédit-bail (NAF code 64.91Z). See the 'Sector positioning' section above to compare the company with its competitors.