SIREN : 838447381
STELO is a French company founded 8 years ago, specialized in the sector Fabrication industrielle de pain et de pâtisserie fraîche. Based in LAMORLAYE (60260), this company of category PME shows in 2024 a revenue of 998 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
| Indicator | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | 997 736 € | 908 141 € | 733 523 € | 257 609 € | 583 973 € | 910 220 € |
| Net income | 55 935 € | 63 610 € | 88 882 € | -3 044 € | -43 623 € | 51 461 € |
| EBITDA | 60 353 € | 74 271 € | 118 012 € | -57 964 € | -23 591 € | 54 544 € |
| Net margin | 5.6% | 7.0% | 12.1% | -1.2% | -7.5% | 5.7% |
In 2024, STELO achieves revenue of 998 k€. Revenue is growing positively over 6 years (CAGR: +1.9%). Vs 2023: +10%. After deducting consumption (246 k€), gross margin stands at 752 k€, i.e. a rate of 75%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 60 k€, representing 6.0% of revenue. Warning negative scissor effect: despite revenue change (+10%), EBITDA varies by -19%, reducing margin by 2.1 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 56 k€, i.e. 5.6% of revenue. This profit can be retained or distributed to shareholders.
997 736 €
751 917 €
60 353 €
59 401 €
55 935 €
6.0%
The debt ratio (= Financial debt / Equity x 100) stands at 225%. 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 26%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 10.6 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 4.8% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
225.462%
25.632%
4.755%
10.609
22.1%
In 2024, the debt ratio of STELO (225.46) 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 STELO (25.6%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.
In 2024, the repayment capacity of STELO (10.61) 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 144.72. 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 8.7x. Operating income very largely covers interest expenses: high safety margin.
144.721
8.745
In 2024, the liquidity ratio of STELO (144.72) 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 2024, the interest coverage of STELO (8.7x) 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: 43 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 39 days. The company must finance 4 days of gap between collections and payments. Inventory turnover is 3 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 28 days of revenue, i.e. 79 k€ to permanently finance. Over 2019-2024, WCR increased by +33%, requiring additional financing.
78 881 €
43 j
39 j
3 j
28 j
Based on 203 transactions of similar company sales in 2024, the value of STELO is estimated at 467 789 € (range 262 959€ - 730 909€). With an EBITDA of 60 353€, the sector multiple of 6.7x is applied. The price/revenue ratio is 0.55x (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 203 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 STELO with other companies in the same sector:
Voir toutes les statistiques du secteur Fabrication industrielle de pain et de pâtisserie fraîche
The revenue of STELO in 2024 is 998 k€.
Yes, STELO generated a net profit of 56 k€ in 2024.
The headquarters of STELO is located in LAMORLAYE (60260), in the department Oise.
The tax return of STELO 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).
STELO operates in the sector Fabrication industrielle de pain et de pâtisserie fraîche (NAF code 10.71A). See the 'Sector positioning' section above to compare the company with its competitors.