STEM HEALTHCARE FRANCE : revenue, balance sheet and financial ratios

STEM HEALTHCARE FRANCE is a French company founded 15 years ago, specialized in the sector Activités des agences de publicité. Based in LYON (69009), this company of category PME shows in 2024 a revenue of 1.4 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 - STEM HEALTHCARE FRANCE (SIREN 528502305)
Indicator 2024 2020 2019 2018 2017 2016
Revenue 1 358 354 € 1 236 670 € 1 071 801 € 381 809 € N/C N/C
Net income 41 950 € 58 242 € 49 001 € 44 055 € -27 156 € -5 329 €
EBITDA 43 858 € 59 359 € 51 314 € 19 090 € -27 156 € N/C
Net margin 3.1% 4.7% 4.6% 11.5% N/C N/C

Revenue and income statement

In 2024, STEM HEALTHCARE FRANCE achieves revenue of 1.4 M€. Over the period 2018-2024, the company shows strong growth with a CAGR (compound annual growth rate) of +23.6%. Vs 2020: +10%. After deducting consumption (0 €), gross margin stands at 1.4 M€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 44 k€, representing 3.2% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 42 k€, i.e. 3.1% of revenue. This profit can be retained or distributed to shareholders.

Revenue (2024) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

1 358 354 €

Gross margin (2024) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

1 358 354 €

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

43 858 €

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

41 950 €

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

41 950 €

EBITDA margin (2024) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

3.2%

Loading income statement...

Chart evolution

Show :

Assets

Loading data...

Liabilities

Loading data...

Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at 6%. 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 30%. The balance between equity and debt is satisfactory. Cash flow represents 3.2% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.

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

6.329%

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

29.739%

Cash flow / Revenue (2024) ?
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

3.228%

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

0.0

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

32.6%

Solvency indicators evolution
STEM HEALTHCARE FRANCE

Sector positioning

Debt ratio
6.33 2024
2019
2020
2024
Q1: 0.0
Med: 7.82
Q3: 44.59
Good +20 pts over 3 years

In 2024, the debt ratio of STEM HEALTHCARE FRANCE (6.33) 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
29.74% 2024
2019
2020
2024
Q1: 9.69%
Med: 34.27%
Q3: 59.15%
Average

In 2024, the financial autonomy of STEM HEALTHCARE FRANCE (29.7%) ranks below the median of the sector. This ratio represents the share of equity in total financing. An improvement would strengthen the competitive position.

Repayment capacity
0.0 years 2024
2019
2020
2024
Q1: 0.0 years
Med: 0.0 years
Q3: 1.14 years
Excellent

In 2024, the repayment capacity of STEM HEALTHCARE FRANCE (0.00) 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 195.65. 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

195.645

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

0.0

Liquidity indicators evolution
STEM HEALTHCARE FRANCE

Sector positioning

Liquidity ratio
195.65 2024
2019
2020
2024
Q1: 128.85
Med: 206.6
Q3: 363.72
Average +16 pts over 3 years

In 2024, the liquidity ratio of STEM HEALTHCARE FRANCE (195.65) 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
0.0x 2024
2019
2020
2024
Q1: 0.0x
Med: 0.0x
Q3: 2.56x
Average

In 2024, the interest coverage of STEM HEALTHCARE FRANCE (0.0x) 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: 43 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. The company must finance 23 days of gap between collections and payments. Overall, WCR represents 72 days of revenue, i.e. 273 k€ to permanently finance.

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

273 138 €

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

43 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

20 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 in days of revenue (2024) ?
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

72 j

WCR and payment terms evolution
STEM HEALTHCARE FRANCE

Positioning of STEM HEALTHCARE FRANCE in its sector

Comparison with sector Activités des agences de publicité

Valuation estimate

Based on 68 transactions of similar company sales (all years), the value of STEM HEALTHCARE FRANCE is estimated at 178 911 € (range 67 826€ - 495 664€). With an EBITDA of 43 858€, the sector multiple of 2.9x is applied. The price/revenue ratio is 0.22x (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.

Estimated enterprise value 2024
68 tx
67k€ 178k€ 495k€
178 911 € Range: 67 826€ - 495 664€
NAF 5 all-time

Valuation detail by method

Ajustez les pondérations selon votre analyse

EBITDA Multiple 50%
43 858 € × 2.9x
Estimation 126 007 €
36 363€ - 496 033€
Revenue Multiple 30%
1 358 354 € × 0.22x
Estimation 304 899 €
126 366€ - 518 997€
Net Income Multiple 20%
41 950 € × 2.9x
Estimation 122 191 €
58 677€ - 459 746€
How is this estimate calculated?

This estimate is based on the analysis of 68 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 (Activités des agences de publicité)

Compare STEM HEALTHCARE FRANCE with other companies in the same sector:

Voir toutes les statistiques du secteur Activités des agences de publicité

Frequently asked questions about STEM HEALTHCARE FRANCE

What is the revenue of STEM HEALTHCARE FRANCE ?

The revenue of STEM HEALTHCARE FRANCE in 2024 is 1.4 M€.

Is STEM HEALTHCARE FRANCE profitable?

Yes, STEM HEALTHCARE FRANCE generated a net profit of 42 k€ in 2024.

Where is the headquarters of STEM HEALTHCARE FRANCE ?

The headquarters of STEM HEALTHCARE FRANCE is located in LYON (69009), in the department Rhone.

Where to find the tax return of STEM HEALTHCARE FRANCE ?

The tax return of STEM HEALTHCARE FRANCE 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 STEM HEALTHCARE FRANCE operate?

STEM HEALTHCARE FRANCE operates in the sector Activités des agences de publicité (NAF code 73.11Z). See the 'Sector positioning' section above to compare the company with its competitors.