SIREN : 513544064
HOLDING LOAN is a French company founded 16 years ago, specialized in the sector Activités des sociétés holding. Based in MONTVILLE (76710), this company of category PME shows in 2025 a revenue of 226 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 | 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 225 822 € | 39 396 € | 208 555 € | 208 503 € | 187 002 € | 191 872 € | 211 452 € | 192 900 € | 152 600 € | 124 453 € |
| Net income | 13 606 € | 1 056 € | 6 981 € | 7 036 € | 1 035 € | 12 212 € | 22 093 € | 5 994 € | 9 108 € | 7 001 € |
| EBITDA | 15 079 € | 3 581 € | 16 723 € | 13 666 € | 6 444 € | 20 564 € | 20 297 € | 22 739 € | 13 843 € | 11 131 € |
| Net margin | 6.0% | 2.7% | 3.3% | 3.4% | 0.6% | 6.4% | 10.4% | 3.1% | 6.0% | 5.6% |
In 2025, HOLDING LOAN achieves revenue of 226 k€. Over the period 2017-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +7.7%. Vs 2025, growth of +473% (39 k€ -> 226 k€). After deducting consumption (0 €), gross margin stands at 226 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 15 k€, representing 6.7% of revenue. Warning negative scissor effect: despite revenue change (+473%), EBITDA varies by +321%, reducing margin by 2.4 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 14 k€, i.e. 6.0% of revenue. This profit can be retained or distributed to shareholders.
225 822 €
225 822 €
15 079 €
20 348 €
13 606 €
6.7%
The debt ratio (= Financial debt / Equity x 100) stands at 7%. 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 4%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 0.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 6.0% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
7.232%
3.541%
6.025%
0.002
In 2025, the debt ratio of HOLDING LOAN (7.23) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2025, the financial autonomy of HOLDING LOAN (3.5%) 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 2025, the repayment capacity of HOLDING LOAN (0.00) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.
The liquidity ratio (= Current assets / Current liabilities) stands at 46.87. 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 118.6x. Operating income very largely covers interest expenses: high safety margin.
46.866
118.615
In 2025, the liquidity ratio of HOLDING LOAN (46.87) 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 2025, the interest coverage of HOLDING LOAN (118.6x) 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: 268 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 24 days. The gap of 244 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 (-404 days): operations structurally generate cash.
-253 280 €
268 j
24 j
0 j
-404 j
Indicative estimate only : the number of comparable transactions in this sector is limited (20 transactions). This range of 68 524€ to 236 549€ is provided for information purposes only and requires in-depth analysis to be confirmed.
This estimate is based on the analysis of 20 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 HOLDING LOAN with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of HOLDING LOAN in 2025 is 226 k€.
Yes, HOLDING LOAN generated a net profit of 14 k€ in 2025.
The headquarters of HOLDING LOAN is located in MONTVILLE (76710), in the department Seine-Maritime.
The tax return of HOLDING LOAN 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).
HOLDING LOAN 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.