STEPHANE ROBERT S.A.F.R : revenue, balance sheet and financial ratios

STEPHANE ROBERT S.A.F.R is a French company founded 10 years ago, specialized in the sector Entretien et réparation de véhicules automobiles légers. Based in LE PONT-DE-BEAUVOISIN (73330), this company of category PME shows in 2025 a revenue of 132 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-04-11

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

Financial history - STEPHANE ROBERT S.A.F.R (SIREN 818807794)
Indicator 2025 2024 2023 2022 2021 2020 2019 2018
Revenue 132 383 € 165 734 € 181 079 € 212 322 € 192 553 € 202 354 € 192 956 € 200 055 €
Net income -5 047 € -1 180 € -4 937 € 14 989 € 7 598 € 18 806 € 7 074 € 3 722 €
EBITDA -927 € -2 889 € 479 € 24 652 € 16 227 € 31 257 € 15 811 € 12 216 €
Net margin -3.8% -0.7% -2.7% 7.1% 3.9% 9.3% 3.7% 1.9%

Revenue and income statement

In 2025, STEPHANE ROBERT S.A.F.R achieves revenue of 132 k€. Revenue is declining over the period 2018-2025 (CAGR: -5.7%). Significant drop of -20% vs 2024. After deducting consumption (33 k€), gross margin stands at 100 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 -927 €, representing -0.7% of revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -5 k€ (-3.8% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

132 383 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

99 725 €

EBITDA (2025) ?
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

-927 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-4 947 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-5 047 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-0.7%

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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 0%. 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 66%. This high autonomy means the company finances most of its assets through equity, a sign of strength.

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

0.446%

Financial autonomy (2025) ?
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

66.028%

Cash flow / Revenue (2025) ?
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

-3.057%

Repayment capacity (2025) ?
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

-0.03

Asset age ratio (2025) ?
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

9.7%

Solvency indicators evolution
STEPHANE ROBERT S.A.F.R

Sector positioning

Debt ratio
0.45 2025
2023
2024
2025
Q1: 6.58
Med: 21.37
Q3: 56.95
Excellent -19 pts over 3 years

In 2025, the debt ratio of STEPHANE ROBERT S.A.F.R (0.45) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
66.03% 2025
2023
2024
2025
Q1: 34.0%
Med: 54.09%
Q3: 68.2%
Good +8 pts over 3 years

In 2025, the financial autonomy of STEPHANE ROBERT S.A.F.R (66.0%) 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
-0.03 years 2025
2023
2024
2025
Q1: 0.0 years
Med: 0.71 years
Q3: 1.95 years
Excellent

In 2025, the repayment capacity of STEPHANE ROBERT S.A.F.R (-0.03) 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 260.54. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
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

260.535

Interest coverage (2025) ?
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
STEPHANE ROBERT S.A.F.R

Sector positioning

Liquidity ratio
260.54 2025
2023
2024
2025
Q1: 168.89
Med: 249.7
Q3: 363.03
Good

In 2025, the liquidity ratio of STEPHANE ROBERT S.A.F.R (260.54) 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.

Interest coverage
0.0x 2025
2023
2024
2025
Q1: 0.0x
Med: 1.34x
Q3: 5.57x
Average -50 pts over 3 years

In 2025, the interest coverage of STEPHANE ROBERT S.A.F.R (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: 34 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 38 days. Favorable situation: supplier credit is longer than customer credit by 4 days. Inventory turnover is 3 days (= Average inventory / Cost of goods x 360). Fast turnover, sign of good inventory management. Overall, WCR represents 41 days of revenue, i.e. 15 k€ to permanently finance. Over 2018-2025, WCR increased by +591%, requiring additional financing.

Operating WCR (2025) ?
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

15 086 €

Customer credit (2025) ?
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

34 j

Supplier credit (2025) ?
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

38 j

Inventory turnover (2025) ?
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

3 j

WCR in days of revenue (2025) ?
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

41 j

WCR and payment terms evolution
STEPHANE ROBERT S.A.F.R

Positioning of STEPHANE ROBERT S.A.F.R in its sector

Comparison with sector Entretien et réparation de véhicules automobiles légers

Valuation estimate

Based on 131 transactions of similar company sales in 2025, the value of STEPHANE ROBERT S.A.F.R is estimated at 66 418 € (range 44 520€ - 136 230€). The price/revenue ratio is 0.50x (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.

Estimated enterprise value 2025
131 transactions
44k€ 66k€ 136k€
66 418 € Range: 44 520€ - 136 230€
NAF 5 année 2025

Valuation method used

Revenue Multiple
132 383 € × 0.50x = 66 418 €
Range: 44 520€ - 136 231€

Only this financial indicator is available for this company.

Valuation evolution

How is this estimate calculated?

This estimate is based on the analysis of 131 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 (Entretien et réparation de véhicules automobiles légers)

Compare STEPHANE ROBERT S.A.F.R with other companies in the same sector:

Voir toutes les statistiques du secteur Entretien et réparation de véhicules automobiles légers

Frequently asked questions about STEPHANE ROBERT S.A.F.R

What is the revenue of STEPHANE ROBERT S.A.F.R ?

The revenue of STEPHANE ROBERT S.A.F.R in 2025 is 132 k€.

Is STEPHANE ROBERT S.A.F.R profitable?

STEPHANE ROBERT S.A.F.R recorded a net loss in 2025.

Where is the headquarters of STEPHANE ROBERT S.A.F.R ?

The headquarters of STEPHANE ROBERT S.A.F.R is located in LE PONT-DE-BEAUVOISIN (73330), in the department Savoie.

Where to find the tax return of STEPHANE ROBERT S.A.F.R ?

The tax return of STEPHANE ROBERT S.A.F.R 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 STEPHANE ROBERT S.A.F.R operate?

STEPHANE ROBERT S.A.F.R operates in the sector Entretien et réparation de véhicules automobiles légers (NAF code 45.20A). See the 'Sector positioning' section above to compare the company with its competitors.