SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I : revenue, balance sheet and financial ratios

SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I is a French company founded 53 years ago, specialized in the sector Location de terrains et d'autres biens immobiliers. Based in VIERZON (18100), this company of category PME shows in 2022 a revenue of 2.1 M€. 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 - SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I (SIREN 733720130)
Indicator 2022 2021 2020 2019 2018 2016
Revenue 2 108 007 € 2 198 595 € 2 437 065 € 1 800 387 € N/C N/C
Net income 306 324 € 290 321 € 265 382 € 172 929 € 452 746 € 108 730 €
EBITDA 471 354 € 472 090 € 426 498 € 309 273 € N/C -1 633 447 €
Net margin 14.5% 13.2% 10.9% 9.6% N/C N/C

Revenue and income statement

In 2022, SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I achieves revenue of 2.1 M€. Over the period 2019-2022, the company shows strong growth with a CAGR (compound annual growth rate) of +5.4%. Slight decline of -4% vs 2021. After deducting consumption (1.2 M€), gross margin stands at 920 k€, i.e. a rate of 44%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 471 k€, representing 22.4% of revenue. This high EBITDA margin provides strong self-financing capacity and resilience to uncertainties. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 306 k€, i.e. 14.5% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2022) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

2 108 007 €

Gross margin (2022) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

919 843 €

EBITDA (2022) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

471 354 €

EBIT (2022) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

405 478 €

Net income (2022) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

306 324 €

EBITDA margin (2022) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

22.4%

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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 8%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 82%. 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 0.6 years of cash flow to repay all financial debt. This short period demonstrates excellent debt sustainability. Cash flow represents 17.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.

Debt ratio (2022) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

8.058%

Financial autonomy (2022) ?
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

81.849%

Cash flow / Revenue (2022) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

17.945%

Repayment capacity (2022) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

0.59

Asset age ratio (2022) ?
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

40.0%

Solvency indicators evolution
SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I

Sector positioning

Debt ratio
8.06 2022
2020
2021
2022
Q1: -72.48
Med: 11.45
Q3: 180.83
Good

In 2022, the debt ratio of SOCIETE TREVOLTIENNE D'IN... (8.06) ranks below the median of the sector. This ratio measures the weight of debt relative to equity. This controlled position reflects prudent management.

Financial autonomy
81.85% 2022
2020
2021
2022
Q1: 1.96%
Med: 38.53%
Q3: 82.82%
Good

In 2022, the financial autonomy of SOCIETE TREVOLTIENNE D'IN... (81.8%) 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.

Repayment capacity
0.59 years 2022
2020
2021
2022
Q1: -0.01 years
Med: 0.67 years
Q3: 10.41 years
Good -6 pts over 3 years

In 2022, the repayment capacity of SOCIETE TREVOLTIENNE D'IN... (0.59) ranks below the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. This controlled position reflects prudent management.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 606.59. 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 1.5x. Coverage is limited: any activity downturn would jeopardize interest payments.

Liquidity ratio (2022) ?
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

606.585

Interest coverage (2022) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

1.53

Liquidity indicators evolution
SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I

Sector positioning

Liquidity ratio
606.59 2022
2020
2021
2022
Q1: 88.23
Med: 269.82
Q3: 1093.34
Good

In 2022, the liquidity ratio of SOCIETE TREVOLTIENNE D'IN... (606.59) 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
1.53x 2022
2020
2021
2022
Q1: 0.0x
Med: 0.0x
Q3: 13.79x
Good -5 pts over 3 years

In 2022, the interest coverage of SOCIETE TREVOLTIENNE D'IN... (1.5x) 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. Average customer payment term: 3 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 72 days. Excellent situation: suppliers finance 69 days of the operating cycle (retail model). Inventory turnover is 247 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 254 days of revenue, i.e. 1.5 M€ to permanently finance.

Operating WCR (2022) ?
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

1 487 747 €

Customer credit (2022) ?
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

3 j

Supplier credit (2022) ?
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

72 j

Inventory turnover (2022) ?
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

247 j

WCR in days of revenue (2022) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

254 j

WCR and payment terms evolution
SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I

Positioning of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I in its sector

Comparison with sector Location de terrains et d'autres biens immobiliers

Valuation estimate

Based on 241 transactions of similar company sales in 2022, the value of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I is estimated at 1 442 427 € (range 601 111€ - 3 472 627€). With an EBITDA of 471 354€, the sector multiple of 3.3x is applied. The price/revenue ratio is 0.68x (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.

Estimated enterprise value 2022
241 transactions
601k€ 1442k€ 3472k€
1 442 427 € Range: 601 111€ - 3 472 627€
NAF 5 année 2022

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
471 354 € × 3.3x
Estimation 1 541 542 €
631 238€ - 3 428 734€
Revenue Multiple 30%
2 108 007 € × 0.68x
Estimation 1 423 240 €
643 937€ - 4 056 395€
Net Income Multiple 20%
306 324 € × 4.0x
Estimation 1 223 422 €
461 557€ - 2 706 711€

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 241 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Location de terrains et d'autres biens immobiliers)

Compare SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I with other companies in the same sector:

Voir toutes les statistiques du secteur Location de terrains et d'autres biens immobiliers

Frequently asked questions about SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I

What is the revenue of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I ?

The revenue of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I in 2022 is 2.1 M€.

Is SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I profitable?

Yes, SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I generated a net profit of 306 k€ in 2022.

Where is the headquarters of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I ?

The headquarters of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I is located in VIERZON (18100), in the department Cher.

Where to find the tax return of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I ?

The tax return of SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I 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 SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I operate?

SOCIETE TREVOLTIENNE D'INVESTISSEMENTS MOBILIERS ET IMMOBILIERS - S.T.I.M.I operates in the sector Location de terrains et d'autres biens immobiliers (NAF code 68.20B). See the 'Sector positioning' section above to compare the company with its competitors.