HAVTRYGD GJENSIDIG FORSIKRING

5035 BERGEN

Finances

Return on Equity

−7,65 %

Current Ratio

6,69

Debt-to-Equity Ratio

0,15

Key figures (NOK)	2022	2021	2020	2019
Revenue	26 251 000	14 607 000	17 223 000	15 396 000
Net Income	−9 998 000	9 436 000	1 381 000	4 515 000
Total Assets	174 001 000	194 279 000	173 117 000	178 178 000
Total Equity	130 716 000	140 714 000	131 278 000	129 898 000

Income (NOK)	2022	2021	2020	2019
Revenue	26 251 000	14 607 000	17 223 000	15 396 000
Expenditure	0	0	0	0
Operating Profit	5 948 000	1 769 000	−2 051 000	−2 633 000
Financial Income	−15 448 000	10 305 000	6 985 000	12 570 000
Financial Costs	2 209 000	1 788 000	1 701 000	1 859 000
Financial Balance	−17 657 000	8 517 000	5 284 000	10 711 000
Earnings Before Tax	−11 624 000	10 429 000	3 453 000	8 361 000
Tax	241 000	677 000	361 000	582 000
Net Income	−9 998 000	9 436 000	1 381 000	4 515 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	15 372 000	15 563 000	5 784 000	11 262 000
Total Current Assets	158 630 000	178 716 000	167 333 000	166 915 000
Total Assets	174 001 000	194 279 000	173 117 000	178 178 000
Total Retained Equity	130 716 000	140 714 000	131 278 000	129 898 000
Total Equity	130 716 000	140 714 000	131 278 000	129 898 000
Total Long-Term Debt	19 579 000	22 529 000	21 483 000	23 641 000
Total Current Debt	23 706 000	31 036 000	20 356 000	24 638 000
Total Equity and Debt	174 001 000	194 279 000	173 117 000	178 178 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	26 064 000	14 437 000	17 088 000	15 253 000
Other Income	187 000	170 000	135 000	143 000
Revenue	26 251 000	14 607 000	17 223 000	15 396 000
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	5 948 000	1 769 000	−2 051 000	−2 633 000
Financial Income	−15 448 000	10 305 000	6 985 000	12 570 000
Financial Costs	2 209 000	1 788 000	1 701 000	1 859 000
Financial Balance	−17 657 000	8 517 000	5 284 000	10 711 000
Dividends	0	0	0	0
Net Income	−9 998 000	9 436 000	1 381 000	4 515 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	9 061 000	8 997 000	0	5 177 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	2 673 000	2 257 000	1 105 000	1 816 000
Total Tangible Assets	11 734 000	11 254 000	1 105 000	6 993 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	15 372 000	15 563 000	5 784 000	11 262 000
Stock	0	0	0	0
Total Investments	146 681 000	164 060 000	150 870 000	153 517 000
Cash, Bank	0	0	0	0
Total Current Assets	158 630 000	178 716 000	167 333 000	166 915 000
Total Assets	174 001 000	194 279 000	173 117 000	178 178 000
Total Equity	130 716 000	140 714 000	131 278 000	129 898 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	19 579 000	22 529 000	21 483 000	23 641 000
Creditors	20 964 000	27 871 000	16 790 000	21 640 000
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	2 743 000	3 165 000	3 565 000	2 998 000
Total Current Debt	23 706 000	31 036 000	20 356 000	24 638 000
Total Equity and Debt	174 001 000	194 279 000	173 117 000	178 178 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−7,65 %	6,71 %	1,05 %	3,48 %
Debt-to-Equity Ratio	0,15	0,16	0,16	0,18
Operating Profit Margin	22,66 %	12,11 %	−11,91 %	−17,1 %
Current Ratio	6,69	5,76	8,22	6,77
Quick Ratio	6,69	5,76	8,22	6,77
Equity Ratio	0,75	0,72	0,76	0,73
Gross Profit Margin	100 %	100 %	100 %	100 %