HR FINANCE : revenue, balance sheet and financial ratios

HR FINANCE is a French company founded 11 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in SAINT-GELY-DU-FESC (34980), this company of category PME shows in 2021 a revenue of 320 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 - HR FINANCE (SIREN 803636794)
Indicator 2023 2022 2021 2020 2019
Revenue N/C N/C 320 435 € N/C 135 936 €
Net income 108 870 € 27 531 € 36 910 € 436 € 7 894 €
EBITDA N/C N/C 46 959 € N/C 9 811 €
Net margin N/C N/C 11.5% N/C 5.8%

Revenue and income statement

In 2023, HR FINANCE generates positive net income of 109 k€. Net income represents the final profit after all expenses (operating, financial, exceptional) and corporate tax. Change over 2019-2023: 8 k€ -> 109 k€.

Net income (2023) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

108 870 €

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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 1%. 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 83%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2023) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.82%

Financial autonomy (2023) ?
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

83.082%

Asset age ratio (2023) ?
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

49.3%

Solvency indicators evolution
HR FINANCE

Sector positioning

Debt ratio
0.82 2023
2021
2022
2023
Q1: 0.0
Med: 5.37
Q3: 59.79
Good

In 2023, the debt ratio of HR FINANCE (0.82) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
83.08% 2023
2021
2022
2023
Q1: 5.1%
Med: 41.81%
Q3: 76.55%
Excellent +22 pts over 3 years

In 2023, the financial autonomy of HR FINANCE (83.1%) ranks in the top 25% of the sector. This ratio represents the share of equity in total financing. High autonomy reflects financial independence and ability to absorb shocks.

Repayment capacity
0.0 years 2021
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.31 years
Excellent

In 2021, the repayment capacity of HR FINANCE (0.00) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 585.03. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2023) ?
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

585.026

Liquidity indicators evolution
HR FINANCE

Sector positioning

Liquidity ratio
585.03 2023
2021
2022
2023
Q1: 142.15
Med: 323.83
Q3: 1004.83
Good +29 pts over 3 years

In 2023, the liquidity ratio of HR FINANCE (585.03) 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.

Interest coverage
0.0x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.45x
Average

In 2021, the interest coverage of HR FINANCE (0.0x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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 (2023) ?
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 (2023) ?
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 (2023) ?
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 (2023) ?
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
HR FINANCE

Positioning of HR FINANCE in its sector

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

Valuation estimate

Based on 103 transactions of similar company sales (all years), the value of HR FINANCE is estimated at 364 310 € (range 133 454€ - 936 556€). 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.

Estimated enterprise value 2023
103 transactions
133k€ 364k€ 936k€
364 310 € Range: 133 454€ - 936 556€
NAF 5 all-time

Valuation method used

Net Income Multiple
108 870 € × 3.3x = 364 310 €
Range: 133 455€ - 936 557€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 103 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

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

Compare HR 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 HR FINANCE

What is the revenue of HR FINANCE ?

The revenue of HR FINANCE in 2021 is 320 k€.

Is HR FINANCE profitable?

Yes, HR FINANCE generated a net profit of 109 k€ in 2023.

Where is the headquarters of HR FINANCE ?

The headquarters of HR FINANCE is located in SAINT-GELY-DU-FESC (34980), in the department Herault.

Where to find the tax return of HR FINANCE ?

The tax return of HR 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 HR FINANCE operate?

HR 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.