HADELAND OG OMEGN FORSIKRING AS

2750 GRAN

Finances

Share Ownership

Return on Equity

1 318,75 %

Current Ratio

0,43

Debt-to-Equity Ratio

7,22

Key figures (NOK)	2022	2021	2020	2019
Revenue	2 177 000	2 288 000	1 593 000	1 737 000
Net Income	422 000	827 000	286 000	96 000
Total Assets	1 852 000	2 187 000	1 286 000	695 000
Total Equity	32 000	30 000	478 000	168 000

Income (NOK)	2022	2021	2020	2019
Revenue	2 177 000	2 288 000	1 593 000	1 737 000
Expenditure	1 600 000	1 174 000	1 206 000	1 561 000
Operating Profit	578 000	1 115 000	387 000	176 000
Financial Income	0	5 000	0	0
Financial Costs	12 000	19 000	21 000	16 000
Financial Balance	−12 000	−14 000	−21 000	−16 000
Earnings Before Tax	566 000	1 101 000	366 000	159 000
Tax	144 000	274 000	81 000	64 000
Net Income	422 000	827 000	286 000	96 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 171 000	1 307 000	894 000	311 000
Total Current Assets	680 000	881 000	392 000	384 000
Total Assets	1 852 000	2 187 000	1 286 000	695 000
Total Retained Equity	2 000	0	284 000	−26 000
Total Equity	32 000	30 000	478 000	168 000
Total Long-Term Debt	231 000	561 000	643 000	293 000
Total Current Debt	1 589 000	1 596 000	165 000	233 000
Total Equity and Debt	1 852 000	2 187 000	1 286 000	695 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	2 177 000	2 288 000	1 593 000	1 737 000
Revenue	2 177 000	2 288 000	1 593 000	1 737 000
Cost of Goods Sold	103 000	26 000	0	0
Salary Costs	941 000	605 000	335 000	663 000
Depreciation	136 000	116 000	117 000	78 000
Impairment	0	0	0	0
Expenditure	1 600 000	1 174 000	1 206 000	1 561 000
Operating Profit	578 000	1 115 000	387 000	176 000
Financial Income	0	5 000	0	0
Financial Costs	12 000	19 000	21 000	16 000
Financial Balance	−12 000	−14 000	−21 000	−16 000
Dividends	420 000	1 094 000	0	0
Net Income	422 000	827 000	286 000	96 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	1 000	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	416 000	552 000	233 000	311 000
Total Tangible Assets	416 000	552 000	233 000	311 000
Total Fiancial Fixed Assets	755 000	755 000	659 000	0
Total Fixed Assets	1 171 000	1 307 000	894 000	311 000
Stock	0	0	0	0
Total Investments	64 000	157 000	0	0
Cash, Bank	303 000	308 000	169 000	35 000
Total Current Assets	680 000	881 000	392 000	384 000
Total Assets	1 852 000	2 187 000	1 286 000	695 000
Total Equity	32 000	30 000	478 000	168 000
Short-Term Group Debt	780 000	0	0	0
Total Long-Term Debt	231 000	561 000	643 000	293 000
Creditors	49 000	71 000	13 000	24 000
Unpaid Taxes	71 000	71 000	31 000	49 000
Dividends	420 000	1 094 000	0	0
Other Current Debt	115 000	123 000	64 000	161 000
Total Current Debt	1 589 000	1 596 000	165 000	233 000
Total Equity and Debt	1 852 000	2 187 000	1 286 000	695 000

Financial indicators	2022	2021	2020	2019
Return on Equity	1 318,75 %	2 756,67 %	59,83 %	57,14 %
Debt-to-Equity Ratio	7,22	18,7	1,35	1,74
Operating Profit Margin	26,55 %	48,73 %	24,29 %	10,13 %
Current Ratio	0,43	0,55	2,38	1,65
Quick Ratio	0,43	0,55	2,38	1,65
Equity Ratio	0,02	0,01	0,37	0,24
Gross Profit Margin	95,27 %	98,86 %	100 %	100 %