CREDIT & FINANCEUNION AS

0266 OSLO

Finances

Return on Equity

−26,86 %

Current Ratio

2,33

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	294 000	249 000	258 000	277 000
Net Income	−6 850 000	5 580 000	−7 068 000	12 587 000
Total Assets	42 563 000	49 441 000	46 836 000	57 883 000
Total Equity	25 507 000	42 357 000	46 777 000	53 845 000

Income (NOK)	2022	2021	2020	2019
Revenue	294 000	249 000	258 000	277 000
Expenditure	561 000	1 034 000	904 000	747 000
Operating Profit	−267 000	−785 000	−646 000	−470 000
Financial Income	1 957 000	6 944 000	1 925 000	13 058 000
Financial Costs	8 540 000	0	8 347 000	0
Financial Balance	−6 583 000	6 944 000	−6 422 000	13 058 000
Earnings Before Tax	−6 850 000	6 160 000	−7 068 000	12 587 000
Tax	0	579 000	0	0
Net Income	−6 850 000	5 580 000	−7 068 000	12 587 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	2 833 000	2 682 000	2 539 000	2 405 000
Total Current Assets	39 731 000	46 759 000	44 296 000	55 479 000
Total Assets	42 563 000	49 441 000	46 836 000	57 883 000
Total Retained Equity	24 847 000	41 697 000	46 117 000	53 185 000
Total Equity	25 507 000	42 357 000	46 777 000	53 845 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	17 056 000	7 084 000	59 000	4 038 000
Total Equity and Debt	42 563 000	49 441 000	46 836 000	57 883 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	243 000
Other Income	294 000	249 000	258 000	34 000
Revenue	294 000	249 000	258 000	277 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	0	0	0
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	561 000	1 034 000	904 000	747 000
Operating Profit	−267 000	−785 000	−646 000	−470 000
Financial Income	1 957 000	6 944 000	1 925 000	13 058 000
Financial Costs	8 540 000	0	8 347 000	0
Financial Balance	−6 583 000	6 944 000	−6 422 000	13 058 000
Dividends	10 000 000	10 000 000	0	4 000 000
Net Income	−6 850 000	5 580 000	−7 068 000	12 587 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	61 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	61 000	61 000	61 000	0
Total Tangible Assets	61 000	61 000	61 000	61 000
Total Fiancial Fixed Assets	2 772 000	2 621 000	2 479 000	2 344 000
Total Fixed Assets	2 833 000	2 682 000	2 539 000	2 405 000
Stock	0	0	0	0
Total Investments	34 286 000	42 701 000	38 337 000	46 615 000
Cash, Bank	4 069 000	2 734 000	5 240 000	8 376 000
Total Current Assets	39 731 000	46 759 000	44 296 000	55 479 000
Total Assets	42 563 000	49 441 000	46 836 000	57 883 000
Total Equity	25 507 000	42 357 000	46 777 000	53 845 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	18 000	32 000	20 000	0
Unpaid Taxes	0	0	0	0
Dividends	10 000 000	10 000 000	0	4 000 000
Other Current Debt	7 038 000	7 052 000	38 000	38 000
Total Current Debt	17 056 000	7 084 000	59 000	4 038 000
Total Equity and Debt	42 563 000	49 441 000	46 836 000	57 883 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−26,86 %	13,17 %	−15,11 %	23,38 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	−90,82 %	−315,26 %	−250,39 %	−169,68 %
Current Ratio	2,33	6,6	750,78	13,74
Quick Ratio	2,33	6,6	750,78	13,74
Equity Ratio	0,6	0,86	1	0,93
Gross Profit Margin	100 %	100 %	100 %	100 %