SIREN : 394412811
HG FINANCES is a French company founded 32 years ago, specialized in the sector Activités des sièges sociaux. Based in BETHENY (51450), this company of category PME shows in 2023 a revenue of 463 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 463 070 € | 533 293 € | 430 270 € | 464 772 € | 390 609 € | 390 076 € | 401 627 € | 426 117 € |
| Net income | 258 533 € | 363 319 € | 31 998 € | 51 147 € | 71 806 € | 39 635 € | -33 691 € | -7 930 € |
| EBITDA | 95 087 € | 127 784 € | 60 497 € | 117 371 € | 71 382 € | 67 076 € | 92 798 € | 39 980 € |
| Net margin | 55.8% | 68.1% | 7.4% | 11.0% | 18.4% | 10.2% | -8.4% | -1.9% |
In 2023, HG FINANCES achieves revenue of 463 k€. Revenue is growing positively over 8 years (CAGR: +1.2%). Significant drop of -13% vs 2022. After deducting consumption (384 €), gross margin stands at 463 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 95 k€, representing 20.5% of revenue. Warning negative scissor effect: despite revenue change (-13%), EBITDA varies by -26%, reducing margin by 3.4 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 259 k€, i.e. 55.8% of revenue. This profit can be retained or distributed to shareholders.
463 070 €
462 686 €
95 087 €
103 748 €
258 533 €
20.5%
The debt ratio (= Financial debt / Equity x 100) stands at 61%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. 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 3.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 54.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
61.029%
60.367%
53.959%
3.296
In 2023, the debt ratio of HG FINANCES (61.03) 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 2023, the financial autonomy of HG FINANCES (60.4%) 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 2023, the repayment capacity of HG FINANCES (3.30) 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 207.95. 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 44.2x. Operating income very largely covers interest expenses: high safety margin.
207.952
44.151
In 2023, the liquidity ratio of HG FINANCES (207.95) 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 2023, the interest coverage of HG FINANCES (44.1x) 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: 18 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 56 days. Excellent situation: suppliers finance 38 days of the operating cycle (retail model). Overall, WCR represents 70 days of revenue, i.e. 90 k€ to permanently finance. Over 2016-2023, WCR increased by +440%, requiring additional financing.
90 178 €
18 j
56 j
0 j
70 j
Based on 89 transactions of similar company sales
in 2023,
the value of HG FINANCES is estimated at
612 147 €
(range 293 717€ - 1 242 247€).
With an EBITDA of 95 087€, the sector multiple of 4.0x is applied.
The price/revenue ratio is 0.52x
(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 89 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 HG FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of HG FINANCES in 2023 is 463 k€.
Yes, HG FINANCES generated a net profit of 259 k€ in 2023.
The headquarters of HG FINANCES is located in BETHENY (51450), in the department Marne.
The tax return of HG 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).
HG FINANCES 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.