FRAM INSURANCE BROKERS AS

0160 OSLO

Finances

Share Ownership

Return on Equity

290,43 %

Current Ratio

1,07

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	31 098 000	22 978 000	24 809 000	18 828 000
Net Income	5 675 000	3 685 000	5 573 000	3 074 000
Total Assets	22 347 000	14 832 000	20 051 000	11 927 000
Total Equity	1 954 000	6 879 000	6 193 000	5 620 000

Income (NOK)	2022	2021	2020	2019
Revenue	31 098 000	22 978 000	24 809 000	18 828 000
Expenditure	23 193 000	18 019 000	17 381 000	14 837 000
Operating Profit	7 904 000	4 959 000	7 427 000	3 992 000
Financial Income	300 000	13 000	48 000	182 000
Financial Costs	1 000	0	4 000	0
Financial Balance	299 000	13 000	44 000	182 000
Earnings Before Tax	8 204 000	4 972 000	7 471 000	4 175 000
Tax	2 529 000	1 287 000	1 898 000	1 101 000
Net Income	5 675 000	3 685 000	5 573 000	3 074 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	466 000	392 000	613 000	742 000
Total Current Assets	21 881 000	14 440 000	19 438 000	11 185 000
Total Assets	22 347 000	14 832 000	20 051 000	11 927 000
Total Retained Equity	4 000	4 929 000	4 243 000	3 670 000
Total Equity	1 954 000	6 879 000	6 193 000	5 620 000
Total Long-Term Debt	0	0	6 000	9 000
Total Current Debt	20 394 000	7 953 000	13 852 000	6 297 000
Total Equity and Debt	22 347 000	14 832 000	20 051 000	11 927 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	31 098 000	22 978 000	24 809 000	18 828 000
Revenue	31 098 000	22 978 000	24 809 000	18 828 000
Cost of Goods Sold	0	0	0	0
Salary Costs	15 389 000	14 191 000	13 668 000	10 868 000
Depreciation	179 000	221 000	206 000	153 000
Impairment	0	0	0	0
Expenditure	23 193 000	18 019 000	17 381 000	14 837 000
Operating Profit	7 904 000	4 959 000	7 427 000	3 992 000
Financial Income	300 000	13 000	48 000	182 000
Financial Costs	1 000	0	4 000	0
Financial Balance	299 000	13 000	44 000	182 000
Dividends	10 600 000	0	0	0
Net Income	5 675 000	3 685 000	5 573 000	3 074 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	42 000	84 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	286 000	392 000	571 000	658 000
Total Tangible Assets	286 000	392 000	571 000	658 000
Total Fiancial Fixed Assets	180 000	0	0	0
Total Fixed Assets	466 000	392 000	613 000	742 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	10 880 000	4 958 000	5 624 000	4 638 000
Total Current Assets	21 881 000	14 440 000	19 438 000	11 185 000
Total Assets	22 347 000	14 832 000	20 051 000	11 927 000
Total Equity	1 954 000	6 879 000	6 193 000	5 620 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	6 000	9 000
Creditors	440 000	211 000	28 000	16 000
Unpaid Taxes	1 155 000	1 082 000	944 000	727 000
Dividends	10 600 000	0	0	0
Other Current Debt	5 671 000	5 367 000	10 979 000	4 477 000
Total Current Debt	20 394 000	7 953 000	13 852 000	6 297 000
Total Equity and Debt	22 347 000	14 832 000	20 051 000	11 927 000

Financial indicators	2022	2021	2020	2019
Return on Equity	290,43 %	53,57 %	89,99 %	54,7 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	25,42 %	21,58 %	29,94 %	21,2 %
Current Ratio	1,07	1,82	1,4	1,78
Quick Ratio	1,07	1,82	1,4	1,78
Equity Ratio	0,09	0,46	0,31	0,47
Gross Profit Margin	100 %	100 %	100 %	100 %