SIREN : 326737491
STEME is a French company founded 43 years ago, specialized in the sector Supermarchés. Based in LOURDES (65100), this company of category PME shows in 2019 a revenue of 4.4 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 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|
| Revenue | 4 403 042 € | N/C | N/C | 3 776 529 € |
| Net income | 36 612 € | 52 049 € | -57 752 € | -20 032 € |
| EBITDA | 50 233 € | N/C | N/C | -3 357 € |
| Net margin | 0.8% | N/C | N/C | -0.5% |
In 2019, STEME achieves revenue of 4.4 M€. Over the period 2016-2019, the company shows strong growth with a CAGR (compound annual growth rate) of +5.2%. After deducting consumption (3.8 M€), gross margin stands at 637 k€, i.e. a rate of 14%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 50 k€, representing 1.1% of revenue. The operating margin remains fragile, requiring cost vigilance. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 37 k€, i.e. 0.8% of revenue. This profit can be retained or distributed to shareholders.
4 403 042 €
636 584 €
50 233 €
26 470 €
36 612 €
1.1%
The debt ratio (= Financial debt / Equity x 100) stands at 360%. 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 11%. Low autonomy: the company heavily depends on external financing (banks, suppliers). Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 4.3 years of cash flow to repay all financial debt. This ratio remains within usual banking standards. Cash flow represents 1.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
359.525%
10.623%
1.333%
4.274
15.2%
In 2019, the debt ratio of STEME (359.52) 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 2019, the financial autonomy of STEME (10.6%) 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 2019, the repayment capacity of STEME (4.27) 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 151.71. 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 5.0x. Operating income very largely covers interest expenses: high safety margin.
151.708
5.021
In 2019, the liquidity ratio of STEME (151.71) 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 2019, the interest coverage of STEME (5.0x) 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: 2 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 20 days. Favorable situation: supplier credit is longer than customer credit by 18 days. Inventory turnover is 15 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 18 days of revenue, i.e. 214 k€ to permanently finance.
214 340 €
2 j
20 j
15 j
18 j
Based on 312 transactions of similar company sales in 2019, the value of STEME is estimated at 459 751 € (range 232 898€ - 764 971€). With an EBITDA of 50 233€, the sector multiple of 4.7x 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.
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This estimate is based on the analysis of 312 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 STEME with other companies in the same sector:
The revenue of STEME in 2019 is 4.4 M€.
Yes, STEME generated a net profit of 37 k€ in 2019.
The headquarters of STEME is located in LOURDES (65100), in the department Hautes-Pyrenees.
The tax return of STEME 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).
STEME operates in the sector Supermarchés (NAF code 47.11D). See the 'Sector positioning' section above to compare the company with its competitors.