SIREN : 793296096
STEMATI is a French company founded 12 years ago, specialized in the sector Supermarchés. Based in VALLOIRE (73450), this company of category PME shows in 2024 a revenue of 2.4 M€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-25
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2024 | 2023 | 2022 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 2 444 345 € | 1 805 319 € | N/C | N/C | N/C | N/C | 2 933 525 € | 2 805 009 € |
| Net income | -4 456 € | 98 592 € | -63 880 € | 441 116 € | -89 243 € | 28 489 € | 46 155 € | -15 712 € |
| EBITDA | 83 735 € | 180 665 € | -64 784 € | N/C | N/C | N/C | 146 938 € | 57 610 € |
| Net margin | -0.2% | 5.5% | N/C | N/C | N/C | N/C | 1.6% | -0.6% |
In 2024, STEMATI achieves revenue of 2.4 M€. Activity remains stable over the period (CAGR: -1.7%). Vs 2023, growth of +35% (1.8 M€ -> 2.4 M€). After deducting consumption (1.6 M€), gross margin stands at 858 k€, i.e. a rate of 35%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 84 k€, representing 3.4% of revenue. Warning negative scissor effect: despite revenue change (+35%), EBITDA varies by -54%, reducing margin by 6.6 pts. This reflects costs rising faster than revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -4 k€ (-0.2% of revenue), which will impact equity.
2 444 345 €
858 014 €
83 735 €
9 051 €
-4 456 €
3.4%
The debt ratio (= Financial debt / Equity x 100) stands at 166%. 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 31%. The balance between equity and debt is satisfactory. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 7.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 2.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
165.702%
30.888%
2.873%
7.347
79.0%
In 2024, the debt ratio of STEMATI (165.70) 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 2024, the financial autonomy of STEMATI (30.9%) 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 STEMATI (7.35) 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 195.27. 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 16.3x. Operating income very largely covers interest expenses: high safety margin.
195.272
16.342
In 2024, the liquidity ratio of STEMATI (195.27) 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.
In 2024, the interest coverage of STEMATI (16.3x) 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: 1 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 12 days. Favorable situation: supplier credit is longer than customer credit by 11 days. Inventory turnover is 32 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 39 days of revenue, i.e. 263 k€ to permanently finance. Over 2016-2024, WCR increased by +29%, requiring additional financing.
263 305 €
1 j
12 j
32 j
39 j
Based on 551 transactions of similar company sales in 2024, the value of STEMATI is estimated at 458 181 € (range 200 819€ - 914 082€). With an EBITDA of 83 735€, the sector multiple of 4.7x is applied. The price/revenue ratio is 0.23x (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.
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This estimate is based on the analysis of 551 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 STEMATI with other companies in the same sector:
The revenue of STEMATI in 2024 is 2.4 M€.
STEMATI recorded a net loss in 2024.
The headquarters of STEMATI is located in VALLOIRE (73450), in the department Savoie.
The tax return of STEMATI 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).
STEMATI operates in the sector Supermarchés (NAF code 47.11D). See the 'Sector positioning' section above to compare the company with its competitors.