Les données financières de cette entreprise sont partiellement disponibles (liasse simplifiée ou données confidentielles). Certaines sections ne sont pas affichées.

STEFAN HOLDING : revenue, balance sheet and financial ratios

STEFAN HOLDING is a French company founded 18 years ago, specialized in the sector Services administratifs combinés de bureau. Based in TORREILLES (66440), this company of category PME shows in 2024 a net income negative of -277 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-02

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - STEFAN HOLDING (SIREN 504263286)
Indicator 2024 2023 2022 2021 2020 2019
Revenue N/C N/C N/C N/C N/C N/C
Net income -276 764 € 72 210 € -158 730 € -18 840 € -26 162 € -11 880 €
EBITDA -43 386 € -24 842 € -33 540 € -33 408 € -28 329 € -13 269 €
Net margin N/C N/C N/C N/C N/C N/C

Revenue and income statement

In 2024, STEFAN HOLDING records a net loss of 277 k€. This deficit will reduce equity on the balance sheet.

EBITDA (2024) ?
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

-43 386 €

EBIT (2024) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-248 114 €

Net income (2024) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-276 764 €

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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 65%. Debt remains under control: the company retains capacity to raise new debt if needed. Financial autonomy (= Equity / Total assets x 100) reaches 56%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

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

64.78%

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

56.135%

Repayment capacity (2024) ?
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

-1.217

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

18.4%

Solvency indicators evolution
STEFAN HOLDING

Sector positioning

Debt ratio
64.78 2024
2022
2023
2024
Q1: 0.0
Med: 11.23
Q3: 90.41
Average +41 pts over 3 years

In 2024, the debt ratio of STEFAN HOLDING (64.78) 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
56.13% 2024
2022
2023
2024
Q1: 5.18%
Med: 39.1%
Q3: 79.71%
Good -7 pts over 3 years

In 2024, the financial autonomy of STEFAN HOLDING (56.1%) 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
-1.22 years 2024
2022
2023
2024
Q1: 0.0 years
Med: 0.02 years
Q3: 2.9 years
Excellent

In 2024, the repayment capacity of STEFAN HOLDING (-1.22) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 196.75. 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

196.754

Interest coverage (2024) ?
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

-65.304

Liquidity indicators evolution
STEFAN HOLDING

Sector positioning

Liquidity ratio
196.75 2024
2022
2023
2024
Q1: 104.39
Med: 336.39
Q3: 1728.48
Average +10 pts over 3 years

In 2024, the liquidity ratio of STEFAN HOLDING (196.75) 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.

Interest coverage
-65.3x 2024
2022
2023
2024
Q1: -24.69x
Med: 0.0x
Q3: 0.2x
Average

In 2024, the interest coverage of STEFAN HOLDING (-65.3x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.

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: 0 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 127 days. Excellent situation: suppliers finance 127 days of the operating cycle (retail model).

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

127 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
STEFAN HOLDING

Positioning of STEFAN HOLDING in its sector

Comparison with sector Services administratifs combinés de bureau

Similar companies (Services administratifs combinés de bureau)

Compare STEFAN HOLDING with other companies in the same sector:

Voir toutes les statistiques du secteur Services administratifs combinés de bureau

Frequently asked questions about STEFAN HOLDING

What is the revenue of STEFAN HOLDING ?

The revenue of STEFAN HOLDING is not publicly disclosed (confidential accounts filed with INPI).

Is STEFAN HOLDING profitable?

STEFAN HOLDING recorded a net loss in 2024.

Where is the headquarters of STEFAN HOLDING ?

The headquarters of STEFAN HOLDING is located in TORREILLES (66440), in the department Pyrenees-Orientales.

Where to find the tax return of STEFAN HOLDING ?

The tax return of STEFAN HOLDING 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 STEFAN HOLDING operate?

STEFAN HOLDING operates in the sector Services administratifs combinés de bureau (NAF code 82.11Z). See the 'Sector positioning' section above to compare the company with its competitors.