HORIZON GESTION FINANCE

What HORIZON GESTION FINANCE does

Horizon Gestion Finance (H.G.F) is a private financial consulting firm founded in 2006 and headquartered in Aix-en-Provence, France. Structured as a SARL with €6,000 of share capital and registered at the RCS d'Aix-en-Provence under number 489 073 056, the firm specializes in financial management, funding advisory, treasury management, debt recovery, and business-difficulty support for very small enterprises (TPE, fewer than 10 employees) and small-to-medium enterprises (PME) across the PACA region (Provence-Alpes-Côte d'Azur), particularly in Bouches-du-Rhône. Its target clients are artisans, merchants, and liberal professions whose internal financial management capacity is constrained and who face treasury tensions, payment delays, or continuity risk. The firm is operated by two principals: Gérant Patrick C. MICHEL (35+ years of experience in financial management and treasury) and Consultante Maÿlis DE LICHY (30+ years in credit insurance and factoring).

The offering is organized into structured service packages and modular à la carte missions. Pack Création (€980+) supports business creation; Pack Sérénité (€1,500+) delivers an economic and financial audit; Pack Prévention (€850+) provides a preventive diagnostic; and Gestion+ (€201.40+/month) is a recurring management-assistance subscription. Modular services include Tréso-Solution (BFR and DSO monitoring delivered via partner Credys), Recouvrement (multi-phase debt recovery), Information Commerciale (commercial and financial intelligence, partner-sourced), Réduction des charges financières (success-based diagnostic), Service Formalités (business registration under HGF's Certigreffe certification), and Aide aux entreprises en difficultés (intervention in distressed situations). HGF does not operate a proprietary software platform; service delivery is expert-led and routed through partner-provided tools where specialized capability is required.

The business model is professional-services revenue across four pricing constructs: one-time project fees (packs), monthly subscriptions (Gestion+), unit-based à la carte pricing, and outcome-based fees (cost-reduction diagnostics). Distribution is direct — website contact form and phone — and indirect via a regional partner network comprising Bde13, Azur Business Development, Ellisphère, ENVOLL, and PAAP. Marketing activity is modest: a monthly client newsletter (Eco-Flash) and a refreshed 2024 brochure. There is no disclosed evidence of funding, M&A, geographic expansion beyond PACA, or AI/ML capability.

Name

HORIZON GESTION FINANCE

Legal name

Horizon Gestion Finance "HGF"

Website

https://tpepme.fr

Company type

Private

Founded year

2006

Operating status

Operating

Short description

Horizon Gestion Finance is a private two-partner financial consulting firm in Aix-en-Provence, founded in 2006, providing management control, funding advisory, treasury management, and business-difficulty support to TPE and PME clients across France's PACA region via structured service packs and à la carte missions.

Ownership category

akta.pro rank

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)

Keywords

• SME financial consulting
• Treasury management
• Debt recovery services
• Business financing advisory
• Management control

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Offices1 record

Markets served

Revenue model

1. Financial Advisory and Management Consulting: Ongoing consulting engagements including monthly management assistance, control management, and financial analysis services billed on a retainer or project basis.
2. Financial Cost Reduction Consulting: Success-based fee model for diagnostic services aimed at reducing operational financial costs for businesses.
3. Custom Missions and Management Support: À la carte services including management support, transition management, credit management, BFR/DSO optimization, and cash management engagements.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

HORIZON GESTION FINANCE (HGF) is a financial expertise firm founded in 2006, based in Aix-en-Provence, that provides consulting and operational support to very small enterprises (TPE) and small-to-medium enterprises (PME) primarily in the PACA region. The firm delivers services across management control, financing solutions, treasury management, business difficulty treatment, and debt recovery, leveraging over 65 years of combined senior experience between its two principals.

Product overview

Horizon Gestion Finance (H.G.F) is a financial expertise firm offering a comprehensive suite of consulting and management services for TPE and PME companies. The core offering combines strategic financial consulting with specialized service modules including financing solutions, treasury management, debt recovery, and business difficulty support. The portfolio includes four structured service packages (Pack Création, Pack Sérénité, Pack Prévention, and Gestion+) designed for different business lifecycle stages, complemented by modular services like Tréso-Solution for cash management, Information Commerciale for financial intelligence, and a Formalités service for business registration procedures. The company operates as a traditional consulting firm without a unified software platform, providing services through direct expert engagement.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Response to feasibility request within the day

Segments2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• Bureau de Développement des Entreprises des Bouches-du-Rhône (Bde13)minorStrategic or Co-development PartnerEconomic development operator assisting and accompanying business creation and takeover projects in the Bouches-du-Rhône region.
• Azur Business Development (ABD)coreStrategic or Co-development PartnerSpecialized consultant providing management support, transition management, credit management, BFR/DSO solutions, and client/supplier solutions.
• Tréso-Solution (Credys)coreTechnology or IntegrationCash management solution provider offering BFR and DSO monitoring, mastery, and control for improved treasury performance.
• ENVOLLminorOthersTraining center in the Pays d'Aix region with ethics, values, and quality at the core of their practices. Team of training experts responding to client, funder, and certification expectations.
• Association du Pole d'Activité d'Aix-en-Provence (PAAP)minorGTM or Marketing PartnerAssociation managing real estate heritage, business animation and communication for the Aix-en-Provence business park.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Tréso-Solution (Credys): Cash management SaaS partner providing BFR and DSO monitoring. Already partnered with HGF; comparable on treasury optimization mandate delivery for SMEs, though delivered via software rather than consulting hours.
• Fiducial: Major French provider of accounting, legal and financial advisory services targeting TPE/PME. Direct overlap with HGF on SME management control, creation formalities and ongoing financial management engagements.
• Baker Tilly France: Mid-market audit, accounting and advisory firm serving French SMEs and mid-caps. Comparable to HGF on corporate finance advisory, financial restructuring and recurring management support for owner-managed businesses.

Broad incumbents

• BPI France: France's public investment bank dedicated to SME financing, innovation and business difficulty support. Overlaps with HGF on funding dossier preparation, treasury support and difficulty intervention — but at national scale with subsidized offerings.
• France Active: National network financing and supporting entrepreneurs, particularly in social economy and TPE/PME. Competes on financial advisory and business difficulty support for vulnerable SMEs in regional territories.
• Initiative France: National network of regional associations financing and supporting business creation and takeover. HGF's Pack Création and financing advisory compete with and complement Initiative France's regional platforms.
• KPMG France: Big Four advisory firm offering audit, tax and SME consulting in France. Competes with HGF on management control, financial restructuring and strategic advisory for mid-cap and large PME clients.
• Crédit Agricole (regional branches): Mutual bank with deep PACA regional presence providing SME treasury, financing and cash management services. HGF acts as a financing dossier preparer that funnels clients to such bank lenders.

Emerging players

• Réseau Entreprendre: Non-profit network supporting business creation and takeover via mentoring and loan accompaniment. Partial overlap with HGF on creation advisory and ongoing management support for owner-managers.

Regional players

• Cabex (network of expert-comptables): Regional groupings of chartered accountants offering accounting and management advisory to French TPE/PME. Closely comparable service mix to HGF on recurring financial management and recovery support.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/horizon-gestion-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HORIZON GESTION FINANCE