CREDITREFORM HOLDING AS

7011 TRONDHEIM

Finances

Return on Equity

−0,86 %

Current Ratio

0,37

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	0	0	0	0
Net Income	−165 000	−137 000	−231 000	−307 000
Total Assets	19 331 000	19 501 000	19 691 000	19 943 000
Total Equity	19 242 000	19 407 000	19 544 000	19 774 000

Income (NOK)	2022	2021	2020	2019
Revenue	0	0	0	0
Expenditure	544 000	743 000	924 000	992 000
Operating Profit	−544 000	−743 000	−923 000	−992 000
Financial Income	327 000	507 000	599 000	541 000
Financial Costs	3 000	0	1 000	−5 000
Financial Balance	324 000	507 000	598 000	546 000
Earnings Before Tax	−220 000	−236 000	−325 000	−446 000
Tax	−55 000	−99 000	−94 000	−140 000
Net Income	−165 000	−137 000	−231 000	−307 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	19 298 000	19 154 000	19 054 000	19 728 000
Total Current Assets	33 000	348 000	637 000	216 000
Total Assets	19 331 000	19 501 000	19 691 000	19 943 000
Total Retained Equity	9 845 000	10 010 000	10 146 000	10 377 000
Total Equity	19 242 000	19 407 000	19 544 000	19 774 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	89 000	94 000	147 000	169 000
Total Equity and Debt	19 331 000	19 501 000	19 691 000	19 943 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	0	0	0	0
Revenue	0	0	0	0
Cost of Goods Sold	0	0	0	0
Salary Costs	414 000	601 000	772 000	839 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	544 000	743 000	924 000	992 000
Operating Profit	−544 000	−743 000	−923 000	−992 000
Financial Income	327 000	507 000	599 000	541 000
Financial Costs	3 000	0	1 000	−5 000
Financial Balance	324 000	507 000	598 000	546 000
Dividends	0	0	0	0
Net Income	−165 000	−137 000	−231 000	−307 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	6 258 000	6 202 000	6 103 000	6 009 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	0	0	0	0
Total Fiancial Fixed Assets	13 040 000	12 951 000	12 950 000	13 719 000
Total Fixed Assets	19 298 000	19 154 000	19 054 000	19 728 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	23 000	339 000	624 000	203 000
Total Current Assets	33 000	348 000	637 000	216 000
Total Assets	19 331 000	19 501 000	19 691 000	19 943 000
Total Equity	19 242 000	19 407 000	19 544 000	19 774 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	10 000	15 000	4 000	11 000
Unpaid Taxes	27 000	27 000	46 000	54 000
Dividends	0	0	0	0
Other Current Debt	52 000	52 000	97 000	104 000
Total Current Debt	89 000	94 000	147 000	169 000
Total Equity and Debt	19 331 000	19 501 000	19 691 000	19 943 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−0,86 %	−0,71 %	−1,18 %	−1,55 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	-	-	-	-
Current Ratio	0,37	3,7	4,33	1,28
Quick Ratio	0,37	3,7	4,33	1,28
Equity Ratio	1	1	0,99	0,99
Gross Profit Margin	-	-	-	-