PENSUM FORSIKRINGSMEGLING AS

0273 OSLO

Finances

Share Ownership

Return on Equity

−81,75 %

Current Ratio

2,1

Debt-to-Equity Ratio

2,07

Key figures (NOK)	2022	2021	2020
Revenue	4 135 000	3 693 000	0
Net Income	−224 000	−80 000	−1 000
Total Assets	1 601 000	1 641 000	29 000
Total Equity	274 000	−51 000	29 000

Income (NOK)	2022	2021	2020
Revenue	4 135 000	3 693 000	0
Expenditure	4 364 000	3 739 000	1 000
Operating Profit	−229 000	−46 000	−1 000
Financial Income	16 000	0	0
Financial Costs	12 000	12 000	0
Financial Balance	4 000	−12 000	0
Earnings Before Tax	−224 000	−58 000	−1 000
Tax	0	23 000	0
Net Income	−224 000	−80 000	−1 000

Balance (NOK)	2022	2021	2020
Total Fixed Assets	0	0	0
Total Current Assets	1 601 000	1 641 000	29 000
Total Assets	1 601 000	1 641 000	29 000
Total Retained Equity	−306 000	−81 000	−1 000
Total Equity	274 000	−51 000	29 000
Total Long-Term Debt	566 000	716 000	0
Total Current Debt	761 000	976 000	0
Total Equity and Debt	1 601 000	1 641 000	29 000

Cash flow (NOK)	2022	2021	2020
Sales Income	4 122 000	3 693 000	0
Other Income	14 000	0	0
Revenue	4 135 000	3 693 000	0
Cost of Goods Sold	0	0	0
Salary Costs	3 174 000	1 979 000	0
Depreciation	0	0	0
Impairment	0	0	0
Expenditure	4 364 000	3 739 000	1 000
Operating Profit	−229 000	−46 000	−1 000
Financial Income	16 000	0	0
Financial Costs	12 000	12 000	0
Financial Balance	4 000	−12 000	0
Dividends	0	0	0
Net Income	−224 000	−80 000	−1 000

Balance details (NOK)	2022	2021	2020
Goodwill	0	0	0
Total Intangible Assets	0	0	0
Real Eastate	0	0	0
Machinery and Plant Facilities	0	0	0
Fixtures	0	0	0
Total Tangible Assets	0	0	0
Total Fiancial Fixed Assets	0	0	0
Total Fixed Assets	0	0	0
Stock	0	0	0
Total Investments	0	0	0
Cash, Bank	1 280 000	1 311 000	29 000
Total Current Assets	1 601 000	1 641 000	29 000
Total Assets	1 601 000	1 641 000	29 000
Total Equity	274 000	−51 000	29 000
Short-Term Group Debt	0	0	0
Total Long-Term Debt	566 000	716 000	0
Creditors	66 000	406 000	0
Unpaid Taxes	202 000	125 000	0
Dividends	0	0	0
Other Current Debt	494 000	423 000	0
Total Current Debt	761 000	976 000	0
Total Equity and Debt	1 601 000	1 641 000	29 000

Financial indicators	2022	2021	2020
Return on Equity	−81,75 %	156,86 %	−3,45 %
Debt-to-Equity Ratio	2,07	−14,04	0
Operating Profit Margin	−5,54 %	−1,25 %	-
Current Ratio	2,1	1,68	-
Quick Ratio	2,1	1,68	-
Equity Ratio	0,17	−0,03	1
Gross Profit Margin	100 %	100 %	-