SIREN : 537789083
PH FINANCES is a French company founded 14 years ago, specialized in the sector Activités des sociétés holding. Based in BETHUNE (62400), this company of category PME shows in 2024 a revenue of 520 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 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 520 466 € | 487 166 € | 432 117 € | 391 705 € | 349 951 € | 348 422 € | 346 101 € | 325 383 € | 324 027 € |
| Net income | 131 377 € | 108 689 € | 37 947 € | 158 869 € | 24 496 € | -48 126 € | 10 928 € | 9 076 € | 28 383 € |
| EBITDA | 88 745 € | 92 498 € | 45 720 € | 20 697 € | 47 050 € | -11 112 € | 3 044 € | -13 283 € | -13 018 € |
| Net margin | 25.2% | 22.3% | 8.8% | 40.6% | 7.0% | -13.8% | 3.2% | 2.8% | 8.8% |
In 2024, PH FINANCES achieves revenue of 520 k€. Over the period 2016-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +6.1%. Vs 2023: +7%. After deducting consumption (0 €), gross margin stands at 520 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 89 k€, representing 17.1% of 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 131 k€, i.e. 25.2% of revenue. This profit can be retained or distributed to shareholders.
520 466 €
520 466 €
88 745 €
74 002 €
131 377 €
17.1%
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 98%. 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 0.1 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 27.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
0.545%
98.412%
27.941%
0.125
26.2%
In 2024, the debt ratio of PH FINANCES (0.55) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.
In 2024, the financial autonomy of PH FINANCES (98.4%) 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.
In 2024, the repayment capacity of PH FINANCES (0.12) 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 9174.46. 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 0.2x. Danger: operating income does not cover interest charges, unsustainable situation.
9174.457
0.162
In 2024, the liquidity ratio of PH FINANCES (9174.46) ranks in the top 25% of the sector. This ratio measures the ability to cover short-term debt with current assets. A ratio above 1 ensures comfortable coverage of short-term maturities.
In 2024, the interest coverage of PH FINANCES (0.2x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 42 days. Excellent situation: suppliers finance 42 days of the operating cycle (retail model). Overall, WCR represents 597 days of revenue, i.e. 864 k€ to permanently finance. Notable WCR improvement over the period (-36%), freeing up cash.
863 614 €
0 j
42 j
0 j
597 j
Based on 54 transactions of similar company sales
in 2024,
the value of PH FINANCES is estimated at
344 870 €
(range 117 981€ - 675 306€).
With an EBITDA of 88 745€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.59x
(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 54 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 PH FINANCES with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of PH FINANCES in 2024 is 520 k€.
Yes, PH FINANCES generated a net profit of 131 k€ in 2024.
The headquarters of PH FINANCES is located in BETHUNE (62400), in the department Pas-de-Calais.
The tax return of PH 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).
PH FINANCES 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.