SIREN : 915098073
MERISTEM AVENIR is a French company founded 3 years ago, specialized in the sector Activités des agents et courtiers d'assurances. Based in ORVAULT (44700), this company of category PME shows in 2024 a revenue of 235 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 |
|---|---|---|
| Revenue | 234 694 € | 143 425 € |
| Net income | 20 577 € | 20 131 € |
| EBITDA | 29 994 € | 24 241 € |
| Net margin | 8.8% | 14.0% |
In 2024, MERISTEM AVENIR achieves revenue of 235 k€. Vs 2023, growth of +64% (143 k€ -> 235 k€). After deducting consumption (0 €), gross margin stands at 235 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 30 k€, representing 12.8% of revenue. Warning negative scissor effect: despite revenue change (+64%), EBITDA varies by +24%, reducing margin by 4.1 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 21 k€, i.e. 8.8% of revenue. This profit can be retained or distributed to shareholders.
234 694 €
234 694 €
29 994 €
26 790 €
20 577 €
12.8%
The debt ratio (= Financial debt / Equity x 100) stands at 285%. Critical situation: debt significantly exceeds equity, severely limiting borrowing capacity and exposing the company to default risk. Financial autonomy (= Equity / Total assets x 100) reaches 21%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 6.1 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 10.1% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
284.754%
21.113%
10.137%
6.069
90.1%
In 2024, the debt ratio of MERISTEM AVENIR (284.75) ranks in the top 25% of the sector. This ratio measures the weight of debt relative to equity. A high ratio may indicate excessive dependence on external financing.
In 2024, the financial autonomy of MERISTEM AVENIR (21.1%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of MERISTEM AVENIR (6.07) ranks in the top 25% of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A long duration may signal heavy debt relative to repayment capacity.
The liquidity ratio (= Current assets / Current liabilities) stands at 464.80. 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 6.9x. Operating income very largely covers interest expenses: high safety margin.
464.796
6.888
In 2024, the liquidity ratio of MERISTEM AVENIR (464.80) 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 MERISTEM AVENIR (6.9x) 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: 171 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 32 days. The gap of 139 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Overall, WCR represents 160 days of revenue, i.e. 104 k€ to permanently finance.
104 239 €
171 j
32 j
0 j
160 j
Based on 193 transactions of similar company sales (all years), the value of MERISTEM AVENIR is estimated at 95 610 € (range 27 897€ - 259 139€). With an EBITDA of 29 994€, the sector multiple of 1.2x is applied. The price/revenue ratio is 0.98x (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.
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This estimate is based on the analysis of 193 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 MERISTEM AVENIR with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des agents et courtiers d'assurances
The revenue of MERISTEM AVENIR in 2024 is 235 k€.
Yes, MERISTEM AVENIR generated a net profit of 21 k€ in 2024.
The headquarters of MERISTEM AVENIR is located in ORVAULT (44700), in the department Loire-Atlantique.
The tax return of MERISTEM AVENIR 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).
MERISTEM AVENIR operates in the sector Activités des agents et courtiers d'assurances (NAF code 66.22Z). See the 'Sector positioning' section above to compare the company with its competitors.