SIREN : 793592197
TH FINANCE is a French company founded 12 years ago, specialized in the sector Activités des sociétés holding. Based in GENESTON (44140), this company of category PME shows in 2024 a revenue of 160 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 159 999 € | 188 000 € | 160 000 € | 127 499 € | 138 333 € | 159 999 € | 160 000 € | 160 000 € |
| Net income | 28 321 € | 25 567 € | 3 063 € | 1 905 € | 5 788 € | 56 010 € | 33 982 € | 33 920 € |
| EBITDA | 18 863 € | 30 035 € | 3 733 € | 2 180 € | 6 264 € | 2 335 € | 10 332 € | 7 548 € |
| Net margin | 17.7% | 13.6% | 1.9% | 1.5% | 4.2% | 35.0% | 21.2% | 21.2% |
In 2024, TH FINANCE achieves revenue of 160 k€. Activity remains stable over the period (CAGR: -0.0%). Significant drop of -15% vs 2023. After deducting consumption (0 €), gross margin stands at 160 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 19 k€, representing 11.8% of revenue. Warning negative scissor effect: despite revenue change (-15%), EBITDA varies by -37%, reducing margin by 4.2 pts. This reflects costs rising faster than revenue. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 28 k€, i.e. 17.7% of revenue. This profit can be retained or distributed to shareholders.
159 999 €
159 999 €
18 863 €
18 862 €
28 321 €
11.8%
The debt ratio (= Financial debt / Equity x 100) stands at 39%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 70%. 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 6.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 17.7% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
38.524%
70.306%
17.701%
6.181
In 2024, the debt ratio of TH FINANCE (38.52) 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 2024, the financial autonomy of TH FINANCE (70.3%) 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 2024, the repayment capacity of TH FINANCE (6.18) 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 2242.32. 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 21.0x. Operating income very largely covers interest expenses: high safety margin.
2242.323
20.988
In 2024, the liquidity ratio of TH FINANCE (2242.32) 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.
In 2024, the interest coverage of TH FINANCE (21.0x) 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: 3 days. Favorable situation: supplier credit is longer than customer credit by 3 days. Overall, WCR represents 699 days of revenue, i.e. 311 k€ to permanently finance. Over 2017-2024, WCR increased by +282%, requiring additional financing.
310 852 €
0 j
3 j
0 j
699 j
Based on 54 transactions of similar company sales
in 2024,
the value of TH FINANCE is estimated at
82 139 €
(range 30 576€ - 154 497€).
With an EBITDA of 18 863€, 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 TH FINANCE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sociétés holding
The revenue of TH FINANCE in 2024 is 160 k€.
Yes, TH FINANCE generated a net profit of 28 k€ in 2024.
The headquarters of TH FINANCE is located in GENESTON (44140), in the department Loire-Atlantique.
The tax return of TH 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).
TH FINANCE 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.