LA FINANCIERE STEPHANOISE : revenue, balance sheet and financial ratios

LA FINANCIERE STEPHANOISE is a French company founded 7 years ago, specialized in the sector Autres activités auxiliaires de services financiers, hors assurance et caisses de retraite, n.c.a.. Based in PLAISANCE-DU-TOUCH (31830), this company of category PME shows in 2021 a revenue of 64 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 - LA FINANCIERE STEPHANOISE (SIREN 850947631)
Indicator 2024 2023 2021 2020 2019
Revenue N/C N/C 64 335 € 13 727 € 2 283 €
Net income 0 € 0 € 25 951 € 4 844 € -6 306 €
EBITDA N/C N/C 27 104 € 2 960 € -6 306 €
Net margin N/C N/C 40.3% 35.3% -276.2%

Revenue and income statement

In 2024, LA FINANCIERE STEPHANOISE records a net loss of 0 €. This deficit will reduce equity on the balance sheet.

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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 73%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 37%. The balance between equity and debt is satisfactory.

Debt ratio (2024) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

73.447%

Financial autonomy (2024) ?
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

36.615%

Asset age ratio (2024) ?
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

79.6%

Solvency indicators evolution
LA FINANCIERE STEPHANOISE

Sector positioning

Debt ratio
73.45 2024
2021
2023
2024
Q1: 0.0
Med: 3.37
Q3: 50.52
Average +20 pts over 3 years

In 2024, the debt ratio of LA FINANCIERE STEPHANOISE (73.45) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.

Financial autonomy
36.62% 2024
2021
2023
2024
Q1: 2.67%
Med: 40.69%
Q3: 75.63%
Average +16 pts over 3 years

In 2024, the financial autonomy of LA FINANCIERE STEPHANOISE (36.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.21 years 2021
2021
Q1: 0.0 years
Med: 0.0 years
Q3: 1.31 years
Average

In 2021, the repayment capacity of LA FINANCIERE STEPHANOISE (0.21) 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.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 464.13. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2024) ?
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

464.127

Liquidity indicators evolution
LA FINANCIERE STEPHANOISE

Sector positioning

Liquidity ratio
464.13 2024
2021
2023
2024
Q1: 139.62
Med: 325.32
Q3: 1062.61
Good -13 pts over 3 years

In 2024, the liquidity ratio of LA FINANCIERE STEPHANOISE (464.13) 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
0.17x 2021
2021
Q1: 0.0x
Med: 0.0x
Q3: 0.45x
Good

In 2021, the interest coverage of LA FINANCIERE STEPHANOISE (0.2x) ranks above the median of the sector. This ratio indicates how many times operating income covers interest expenses. This comfortable position offers an appreciable safety margin.

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 (2024) ?
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 (2024) ?
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 (2024) ?
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 (2024) ?
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
LA FINANCIERE STEPHANOISE

Positioning of LA FINANCIERE STEPHANOISE in its sector

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

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

Compare LA FINANCIERE STEPHANOISE 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 LA FINANCIERE STEPHANOISE

What is the revenue of LA FINANCIERE STEPHANOISE ?

The revenue of LA FINANCIERE STEPHANOISE in 2021 is 64 k€.

Is LA FINANCIERE STEPHANOISE profitable?

Yes, LA FINANCIERE STEPHANOISE generated a net profit of 26 k€ in 2021.

Where is the headquarters of LA FINANCIERE STEPHANOISE ?

The headquarters of LA FINANCIERE STEPHANOISE is located in PLAISANCE-DU-TOUCH (31830), in the department Haute-Garonne.

Where to find the tax return of LA FINANCIERE STEPHANOISE ?

The tax return of LA FINANCIERE STEPHANOISE 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 LA FINANCIERE STEPHANOISE operate?

LA FINANCIERE STEPHANOISE 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.