INSAVER AS

5003 BERGEN

Finances

Share Ownership

Return on Equity

−1 256,76 %

Current Ratio

3,71

Debt-to-Equity Ratio

13,51

Key figures (NOK)	2022	2021	2020	2019
Revenue	698 000	1 550 000	1 021 000	36 000
Net Income	−930 000	−215 000	−422 000	−65 000
Total Assets	1 232 000	2 264 000	796 000	693 000
Total Equity	74 000	1 004 000	719 000	−494 000

Income (NOK)	2022	2021	2020	2019
Revenue	698 000	1 550 000	1 021 000	36 000
Expenditure	1 862 000	1 824 000	1 562 000	121 000
Operating Profit	−1 165 000	−274 000	−540 000	−84 000
Financial Income	2 000	2 000	0	0
Financial Costs	40 000	3 000	1 000	0
Financial Balance	−38 000	−1 000	−1 000	0
Earnings Before Tax	−1 203 000	−275 000	−542 000	−84 000
Tax	−273 000	−60 000	−119 000	−18 000
Net Income	−930 000	−215 000	−422 000	−65 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	649 000	424 000	404 000	282 000
Total Current Assets	583 000	1 840 000	392 000	411 000
Total Assets	1 232 000	2 264 000	796 000	693 000
Total Retained Equity	0	−1 161 000	−946 000	−524 000
Total Equity	74 000	1 004 000	719 000	−494 000
Total Long-Term Debt	1 000 000	995 000	0	1 101 000
Total Current Debt	157 000	265 000	77 000	87 000
Total Equity and Debt	1 232 000	2 264 000	796 000	693 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	50 000	0	20 000
Other Income	698 000	1 500 000	1 021 000	16 000
Revenue	698 000	1 550 000	1 021 000	36 000
Cost of Goods Sold	0	0	0	0
Salary Costs	749 000	1 096 000	532 000	0
Depreciation	47 000	40 000	43 000	34 000
Impairment	0	0	0	0
Expenditure	1 862 000	1 824 000	1 562 000	121 000
Operating Profit	−1 165 000	−274 000	−540 000	−84 000
Financial Income	2 000	2 000	0	0
Financial Costs	40 000	3 000	1 000	0
Financial Balance	−38 000	−1 000	−1 000	0
Dividends	0	0	0	0
Net Income	−930 000	−215 000	−422 000	−65 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	600 000	327 000	267 000	148 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	49 000	97 000	137 000	134 000
Total Tangible Assets	49 000	97 000	137 000	134 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	649 000	424 000	404 000	282 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	485 000	1 646 000	392 000	411 000
Total Current Assets	583 000	1 840 000	392 000	411 000
Total Assets	1 232 000	2 264 000	796 000	693 000
Total Equity	74 000	1 004 000	719 000	−494 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 000 000	995 000	0	1 101 000
Creditors	305 000	266 000	93 000	104 000
Unpaid Taxes	−147 000	−73 000	−67 000	1 000
Dividends	0	0	0	0
Other Current Debt	48 000	72 000	51 000	−18 000
Total Current Debt	157 000	265 000	77 000	87 000
Total Equity and Debt	1 232 000	2 264 000	796 000	693 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−1 256,76 %	−21,41 %	−58,69 %	13,16 %
Debt-to-Equity Ratio	13,51	0,99	0	−2,23
Operating Profit Margin	−166,91 %	−17,68 %	−52,89 %	−233,33 %
Current Ratio	3,71	6,94	5,09	4,72
Quick Ratio	3,71	6,94	5,09	4,72
Equity Ratio	0,06	0,44	0,9	−0,71
Gross Profit Margin	100 %	100 %	100 %	100 %