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HOME FINANCE : revenue, balance sheet and financial ratios

HOME FINANCE is a French company founded 12 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in PONTAULT-COMBAULT (77340), this company of category PME shows in 2015 a revenue of 799 k€. 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

Financial history - HOME FINANCE (SIREN 794271742)
Indicator 2019 2017 2015
Revenue N/C N/C 799 224 €
Net income -9 316 € 57 450 € 51 280 €
EBITDA N/C N/C 172 391 €
Net margin N/C N/C 6.4%

Revenue and income statement

In 2019, HOME FINANCE records a net loss of 9 k€. This deficit will reduce equity on the balance sheet.

Net income (2019) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-9 316 €

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Chart evolution

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 536%. 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 10%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2019) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

535.756%

Financial autonomy (2019) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

10.068%

Asset age ratio (2019) ?
Asset age ratio
Definition
Measures the degree of wear of tangible assets.
Formula
Accumulated depreciation / Gross fixed assets x 100
Interpretation
< 50% : Recent assets
50-70% : Normal wear
> 70% : Aging assets

39.7%

Solvency indicators evolution
HOME FINANCE

Sector positioning

Debt ratio
535.76 2019
2015
2017
2019
Q1: 0.0
Med: 7.15
Q3: 61.79
Average

In 2019, the debt ratio of HOME FINANCE (535.76) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
10.07% 2019
2015
2017
2019
Q1: 8.65%
Med: 43.91%
Q3: 74.17%
Average -11 pts over 3 years

In 2019, the financial autonomy of HOME FINANCE (10.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
1.6 years 2015
2015
Q1: 0.0 years
Med: 0.0 years
Q3: 0.56 years
Average

In 2015, the repayment capacity of HOME FINANCE (1.60) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 238.51. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2019) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

238.51

Liquidity indicators evolution
HOME FINANCE

Sector positioning

Liquidity ratio
238.51 2019
2015
2017
2019
Q1: 132.3
Med: 269.44
Q3: 732.39
Average +9 pts over 3 years

In 2019, the liquidity ratio of HOME FINANCE (238.51) 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.

Interest coverage
1.14x 2015
2015
Q1: 0.0x
Med: 0.0x
Q3: 0.7x
Excellent

In 2015, the interest coverage of HOME FINANCE (1.1x) 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) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments.

Operating WCR (2019) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

0 €

Customer credit (2019) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

0 j

Supplier credit (2019) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

0 j

Inventory turnover (2019) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

0 j

WCR and payment terms evolution
HOME FINANCE

Positioning of HOME FINANCE in its sector

Comparison with sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Similar companies (Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.)

Compare HOME FINANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.

Frequently asked questions about HOME FINANCE

What is the revenue of HOME FINANCE ?

The revenue of HOME FINANCE in 2015 is 799 k€.

Is HOME FINANCE profitable?

HOME FINANCE recorded a net loss in 2019.

Where is the headquarters of HOME FINANCE ?

The headquarters of HOME FINANCE is located in PONTAULT-COMBAULT (77340), in the department Seine-et-Marne.

Where to find the tax return of HOME FINANCE ?

The tax return of HOME 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).

In which sector does HOME FINANCE operate?

HOME FINANCE operates in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a. (NAF code 66.19B). See the 'Sector positioning' section above to compare the company with its competitors.