HÅNDVERKERFORSIKRING AS

5057 BERGEN

Finances

Share Ownership

Return on Equity

1,74 %

Current Ratio

2,55

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	1 543 000	1 788 000	1 492 000	1 512 000
Net Income	7 000	13 000	−16 000	265 000
Total Assets	664 000	713 000	613 000	634 000
Total Equity	403 000	397 000	383 000	400 000

Income (NOK)	2022	2021	2020	2019
Revenue	1 543 000	1 788 000	1 492 000	1 512 000
Expenditure	1 538 000	1 758 000	1 516 000	1 200 000
Operating Profit	5 000	30 000	−23 000	311 000
Financial Income	4 000	2 000	3 000	2 000
Financial Costs	0	15 000	0	0
Financial Balance	4 000	−13 000	3 000	2 000
Earnings Before Tax	9 000	17 000	−21 000	313 000
Tax	2 000	4 000	−5 000	48 000
Net Income	7 000	13 000	−16 000	265 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	0	0	0	0
Total Current Assets	664 000	713 000	613 000	634 000
Total Assets	664 000	713 000	613 000	634 000
Total Retained Equity	179 000	172 000	159 000	175 000
Total Equity	403 000	397 000	383 000	400 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	260 000	317 000	229 000	234 000
Total Equity and Debt	664 000	713 000	613 000	634 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	1 543 000	1 788 000	1 492 000	1 512 000
Other Income	0	0	0	0
Revenue	1 543 000	1 788 000	1 492 000	1 512 000
Cost of Goods Sold	0	0	0	0
Salary Costs	1 430 000	1 629 000	1 407 000	1 080 000
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	1 538 000	1 758 000	1 516 000	1 200 000
Operating Profit	5 000	30 000	−23 000	311 000
Financial Income	4 000	2 000	3 000	2 000
Financial Costs	0	15 000	0	0
Financial Balance	4 000	−13 000	3 000	2 000
Dividends	0	0	0	0
Net Income	7 000	13 000	−16 000	265 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	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	0	0	0	0
Total Fixed Assets	0	0	0	0
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	664 000	713 000	613 000	634 000
Total Current Assets	664 000	713 000	613 000	634 000
Total Assets	664 000	713 000	613 000	634 000
Total Equity	403 000	397 000	383 000	400 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	2 000	8 000	7 000	1 000
Unpaid Taxes	114 000	154 000	79 000	77 000
Dividends	0	0	0	0
Other Current Debt	143 000	151 000	148 000	108 000
Total Current Debt	260 000	317 000	229 000	234 000
Total Equity and Debt	664 000	713 000	613 000	634 000

Financial indicators	2022	2021	2020	2019
Return on Equity	1,74 %	3,27 %	−4,18 %	66,25 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	0,32 %	1,68 %	−1,54 %	20,57 %
Current Ratio	2,55	2,25	2,68	2,71
Quick Ratio	2,55	2,25	2,68	2,71
Equity Ratio	0,61	0,56	0,62	0,63
Gross Profit Margin	100 %	100 %	100 %	100 %