JBF FORSIKRING GJENSIDIG

0160 OSLO

Finances

Return on Equity

−2,68 %

Current Ratio

16,08

Debt-to-Equity Ratio

0,42

Key figures (NOK)	2022	2021	2020	2019
Revenue	1 073 742 000	1 014 142 000	948 659 000	880 112 000
Net Income	−62 897 000	238 623 000	190 109 000	226 065 000
Total Assets	3 530 153 000	3 672 954 000	3 386 460 000	3 181 738 000
Total Equity	2 345 974 000	2 444 515 000	2 223 389 000	2 033 281 000

Income (NOK)	2022	2021	2020	2019
Revenue	1 073 742 000	1 014 142 000	948 659 000	880 112 000
Expenditure	0	0	0	0
Operating Profit	8 203 000	86 558 000	99 870 000	45 759 000
Financial Income	−65 328 000	202 071 000	126 258 000	207 481 000
Financial Costs	−2 264 000	1 870 000	310 000	2 659 000
Financial Balance	−63 064 000	200 201 000	125 948 000	204 822 000
Earnings Before Tax	−53 045 000	287 234 000	225 414 000	251 534 000
Tax	10 067 000	48 364 000	36 419 000	26 534 000
Net Income	−62 897 000	238 623 000	190 109 000	226 065 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	209 938 000	225 820 000	286 880 000	255 399 000
Total Current Assets	3 245 022 000	3 357 270 000	2 983 436 000	2 804 348 000
Total Assets	3 530 153 000	3 672 954 000	3 386 460 000	3 181 738 000
Total Retained Equity	2 345 974 000	2 444 515 000	2 223 389 000	2 033 281 000
Total Equity	2 345 974 000	2 444 515 000	2 223 389 000	2 033 281 000
Total Long-Term Debt	982 423 000	1 004 646 000	972 403 000	961 266 000
Total Current Debt	201 755 000	223 794 000	190 669 000	187 191 000
Total Equity and Debt	3 530 152 000	3 672 955 000	3 386 461 000	3 181 738 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	1 075 400 000	1 013 966 000	948 483 000	879 936 000
Other Income	−1 658 000	176 000	176 000	176 000
Revenue	1 073 742 000	1 014 142 000	948 659 000	880 112 000
Cost of Goods Sold	0	0	0	0
Salary Costs	0	0	0	0
Depreciation	0	0	0	0
Impairment	0	0	0	0
Expenditure	0	0	0	0
Operating Profit	8 203 000	86 558 000	99 870 000	45 759 000
Financial Income	−65 328 000	202 071 000	126 258 000	207 481 000
Financial Costs	−2 264 000	1 870 000	310 000	2 659 000
Financial Balance	−63 064 000	200 201 000	125 948 000	204 822 000
Dividends	0	0	0	0
Net Income	−62 897 000	238 623 000	190 109 000	226 065 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	89 864 000	0	0
Total Intangible Assets	75 193 000	89 864 000	116 144 000	121 991 000
Real Eastate	11 289 000	17 078 000	17 450 000	17 822 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	3 649 000	4 798 000	10 144 000	8 532 000
Total Tangible Assets	14 938 000	21 876 000	27 594 000	26 354 000
Total Fiancial Fixed Assets	195 000 000	203 944 000	259 286 000	229 045 000
Total Fixed Assets	209 938 000	225 820 000	286 880 000	255 399 000
Stock	0	0	0	0
Total Investments	2 812 247 000	2 799 762 000	2 473 916 000	2 296 355 000
Cash, Bank	0	0	0	0
Total Current Assets	3 245 022 000	3 357 270 000	2 983 436 000	2 804 348 000
Total Assets	3 530 153 000	3 672 954 000	3 386 460 000	3 181 738 000
Total Equity	2 345 974 000	2 444 515 000	2 223 389 000	2 033 281 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	982 423 000	1 004 646 000	972 403 000	961 266 000
Creditors	156 358 000	158 942 000	143 968 000	146 421 000
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	45 397 000	64 852 000	46 701 000	40 770 000
Total Current Debt	201 755 000	223 794 000	190 669 000	187 191 000
Total Equity and Debt	3 530 152 000	3 672 955 000	3 386 461 000	3 181 738 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−2,68 %	9,76 %	8,55 %	11,12 %
Debt-to-Equity Ratio	0,42	0,41	0,44	0,47
Operating Profit Margin	0,76 %	8,54 %	10,53 %	5,2 %
Current Ratio	16,08	15	15,65	14,98
Quick Ratio	16,08	15	15,65	14,98
Equity Ratio	0,66	0,67	0,66	0,64
Gross Profit Margin	100 %	100 %	100 %	100 %