SIREN : 930079892
STEPS4INVEST is a French company founded 1 years ago, specialized in the sector Gestion de fonds. Based in CHARBONNIERES-LES-BAINS (69260), this company of category PME shows in 2024 a revenue of 287 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
| Indicator | 2024 |
|---|---|
| Revenue | 287 390 € |
| Net income | -1 807 € |
| EBITDA | 15 639 € |
| Net margin | -0.6% |
In 2024, STEPS4INVEST achieves revenue of 287 k€. After deducting consumption (0 €), gross margin stands at 287 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches 16 k€, representing 5.4% of revenue. The operating margin remains fragile, requiring cost vigilance. Net income is negative at -2 k€ (-0.6% of revenue), which will impact equity.
287 390 €
287 390 €
15 639 €
15 637 €
-1 807 €
5.4%
The debt ratio (= Financial debt / Equity x 100) stands at 86%. Debt level is high: negotiating margin with banks is reduced. Financial autonomy (= Equity / Total assets x 100) reaches 44%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 54.4 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 3.3% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment.
85.628%
44.266%
3.337%
54.435
In 2024, the debt ratio of STEPS4INVEST (85.63) 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 STEPS4INVEST (44.3%) 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 STEPS4INVEST (54.44) 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 100.35. 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 38.7x. Operating income very largely covers interest expenses: high safety margin.
100.346
38.679
In 2024, the liquidity ratio of STEPS4INVEST (100.35) 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 STEPS4INVEST (38.7x) 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: 153 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 244 days. Excellent situation: suppliers finance 91 days of the operating cycle (retail model). Overall, WCR represents 194 days of revenue, i.e. 155 k€ to permanently finance.
154 578 €
153 j
244 j
0 j
194 j
Based on 62 transactions of similar company sales
in 2024,
the value of STEPS4INVEST is estimated at
79 701 €
(range 31 560€ - 196 915€).
With an EBITDA of 15 639€, the sector multiple of 4.8x is applied.
The price/revenue ratio is 0.30x
(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.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 62 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 STEPS4INVEST with other companies in the same sector:
The revenue of STEPS4INVEST in 2024 is 287 k€.
STEPS4INVEST recorded a net loss in 2024.
The headquarters of STEPS4INVEST is located in CHARBONNIERES-LES-BAINS (69260), in the department Rhone.
The tax return of STEPS4INVEST 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).
STEPS4INVEST operates in the sector Gestion de fonds (NAF code 66.30Z). See the 'Sector positioning' section above to compare the company with its competitors.