SIREN : 809259351
STEFAL PROGRESS is a French company founded 11 years ago, specialized in the sector Gestion de fonds. Based in MARSEILLE 11EME (13011), this company of category PME shows in 2021 a revenue of 280 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 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|
| Revenue | 280 364 € | 202 196 € | 164 136 € | 162 919 € | 128 311 € |
| Net income | 13 439 € | 4 235 € | 6 298 € | -7 327 € | -5 389 € |
| EBITDA | 19 307 € | 7 560 € | 11 976 € | -1 931 € | -3 953 € |
| Net margin | 4.8% | 2.1% | 3.8% | -4.5% | -4.2% |
In 2021, STEFAL PROGRESS achieves revenue of 280 k€. Over the period 2017-2021, the company shows strong growth with a CAGR (compound annual growth rate) of +21.6%. Vs 2020, growth of +39% (202 k€ -> 280 k€). After deducting consumption (208 k€), gross margin stands at 73 k€, i.e. a rate of 26%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 19 k€, representing 6.9% of revenue. Positive scissor effect: EBITDA margin improves by +3.1 pts, sign of improved operational efficiency. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 13 k€, i.e. 4.8% of revenue. This profit can be retained or distributed to shareholders.
280 364 €
72 670 €
19 307 €
16 254 €
13 439 €
6.9%
The debt ratio (= Financial debt / Equity x 100) stands at 370%. 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 68%. 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 3.2 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 5.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. Satisfactory level allowing partial financing of growth.
369.863%
67.527%
5.862%
3.212
45.2%
In 2021, the debt ratio of STEFAL PROGRESS (369.86) 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 2021, the financial autonomy of STEFAL PROGRESS (67.5%) 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 2021, the repayment capacity of STEFAL PROGRESS (3.21) 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.
The liquidity ratio (= Current assets / Current liabilities) stands at 208.76. 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 1.4x. Coverage is limited: any activity downturn would jeopardize interest payments.
208.76
1.383
In 2021, the liquidity ratio of STEFAL PROGRESS (208.76) 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 2021, the interest coverage of STEFAL PROGRESS (1.4x) 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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 12 days. WCR is negative (-34 days): operations structurally generate cash.
-26 609 €
0 j
12 j
0 j
-34 j
Based on 76 transactions of similar company sales
in 2021,
the value of STEFAL PROGRESS is estimated at
85 322 €
(range 32 743€ - 187 268€).
With an EBITDA of 19 307€, the sector multiple of 2.9x is applied.
The price/revenue ratio is 0.33x
(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.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 76 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 STEFAL PROGRESS with other companies in the same sector:
The revenue of STEFAL PROGRESS in 2021 is 280 k€.
Yes, STEFAL PROGRESS generated a net profit of 13 k€ in 2021.
The headquarters of STEFAL PROGRESS is located in MARSEILLE 11EME (13011), in the department Bouches-du-Rhone.
The tax return of STEFAL PROGRESS 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).
STEFAL PROGRESS operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.