SIREN : 434514733
FINANCIERE STEPHANE PAYE is a French company founded 25 years ago, specialized in the sector Activités des sièges sociaux. Based in CHOLET (49300), this company of category PME shows in 2024 a revenue of 2.1 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-11
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 085 776 € | 2 181 225 € | 2 014 903 € | 1 882 703 € | 1 947 709 € | 1 418 753 € | 1 737 370 € | N/C |
| Net income | 511 982 € | 300 251 € | 439 819 € | 432 524 € | 537 909 € | 434 124 € | 460 102 € | 405 324 € |
| EBITDA | 226 602 € | 134 287 € | 87 859 € | 98 737 € | 165 487 € | 194 581 € | 215 419 € | -1 426 181 € |
| Net margin | 24.5% | 13.8% | 21.8% | 23.0% | 27.6% | 30.6% | 26.5% | N/C |
In 2024, FINANCIERE STEPHANE PAYE achieves revenue of 2.1 M€. Revenue is growing positively over 8 years (CAGR: +2.6%). Slight decline of -4% vs 2023. After deducting consumption (0 €), gross margin stands at 2.1 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 227 k€, representing 10.9% of revenue. Positive scissor effect: EBITDA margin improves by +4.7 pts, sign of improved operational efficiency. This level of operating margin is satisfactory for the sector. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 512 k€, i.e. 24.5% of revenue. This profit can be retained or distributed to shareholders.
2 085 776 €
2 085 776 €
226 602 €
69 172 €
511 982 €
10.9%
The debt ratio (= Financial debt / Equity x 100) stands at 30%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 60%. 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 1.0 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 38.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
30.211%
60.217%
38.843%
1.042
17.1%
In 2024, the debt ratio of FINANCIERE STEPHANE PAYE (30.21) 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 FINANCIERE STEPHANE PAYE (60.2%) 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 FINANCIERE STEPHANE PAYE (1.04) 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 117.51. 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 5.8x. Operating income very largely covers interest expenses: high safety margin.
117.512
5.84
In 2024, the liquidity ratio of FINANCIERE STEPHANE PAYE (117.51) 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.
In 2024, the interest coverage of FINANCIERE STEPHANE PAYE (5.8x) 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: 47 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 43 days. The company must finance 4 days of gap between collections and payments. WCR is negative (-13 days): operations structurally generate cash.
-73 357 €
47 j
43 j
0 j
-13 j
Based on 103 transactions of similar company sales in 2024, the value of FINANCIERE STEPHANE PAYE is estimated at 1 779 917 € (range 545 043€ - 4 041 800€). With an EBITDA of 226 602€, the sector multiple of 5.0x is applied. The price/revenue ratio is 0.38x (conservative valuation). 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.
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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.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare FINANCIERE STEPHANE PAYE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of FINANCIERE STEPHANE PAYE in 2024 is 2.1 M€.
Yes, FINANCIERE STEPHANE PAYE generated a net profit of 512 k€ in 2024.
The headquarters of FINANCIERE STEPHANE PAYE is located in CHOLET (49300), in the department Maine-et-Loire.
The tax return of FINANCIERE STEPHANE PAYE 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).
FINANCIERE STEPHANE PAYE operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.