SIREN : 775652860
H.F.L. is a French company founded 52 years ago, specialized in the sector Gestion de fonds. Based in ALBERTVILLE (73200), this company of category ETI shows in 2024 a revenue of 3.5 M€. 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 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3 520 360 € | 3 815 414 € | 3 560 580 € | 2 442 975 € | 2 022 530 € | 2 123 803 € | 856 936 € | 318 452 € | 314 065 € |
| Net income | 2 376 093 € | 2 678 804 € | 3 853 679 € | 1 843 268 € | 1 672 251 € | 1 364 469 € | 1 092 815 € | 654 581 € | 836 286 € |
| EBITDA | 1 220 859 € | 1 759 173 € | 1 651 539 € | 1 156 074 € | 898 889 € | 886 177 € | 652 649 € | 56 185 € | 91 953 € |
| Net margin | 67.5% | 70.2% | 108.2% | 75.5% | 82.7% | 64.2% | 127.5% | 205.6% | 266.3% |
In 2024, H.F.L. achieves revenue of 3.5 M€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +35.3%. Slight decline of -8% vs 2023. After deducting consumption (0 €), gross margin stands at 3.5 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 1.2 M€, representing 34.7% of revenue. Warning negative scissor effect: despite revenue change (-8%), EBITDA varies by -31%, reducing margin by 11.4 pts. This reflects costs rising faster than 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 2.4 M€, i.e. 67.5% of revenue. This profit can be retained or distributed to shareholders.
3 520 360 €
3 520 360 €
1 220 859 €
1 132 566 €
2 376 093 €
34.7%
The debt ratio (= Financial debt / Equity x 100) stands at 182%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 34%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.0 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 67.5% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
181.584%
34.317%
67.486%
7.037
24.4%
In 2024, the debt ratio of H.F.L. (181.58) 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 H.F.L. (34.3%) 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 H.F.L. (7.04) 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 1713.14. 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 34.8x. Operating income very largely covers interest expenses: high safety margin.
1713.137
34.831
In 2024, the liquidity ratio of H.F.L. (1713.14) 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 2024, the interest coverage of H.F.L. (34.8x) 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: 96 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 94 days. The company must finance 2 days of gap between collections and payments. Overall, WCR represents 201 days of revenue, i.e. 2.0 M€ to permanently finance. Over 2016-2024, WCR increased by +3234%, requiring additional financing.
1 961 861 €
96 j
94 j
0 j
201 j
Based on 62 transactions of similar company sales
in 2024,
the value of H.F.L. is estimated at
6 762 637 €
(range 2 074 504€ - 14 446 677€).
With an EBITDA of 1 220 859€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 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.F.L. with other companies in the same sector:
The revenue of H.F.L. in 2024 is 3.5 M€.
Yes, H.F.L. generated a net profit of 2.4 M€ in 2024.
The headquarters of H.F.L. is located in ALBERTVILLE (73200), in the department Savoie.
The tax return of H.F.L. 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.F.L. operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.