KREDITORFORENINGEN SA

7714 STEINKJER

Finances

Return on Equity

−6,41 %

Current Ratio

4,42

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	71 877 000	64 549 000	42 082 000	47 940 000
Net Income	−3 310 000	3 131 000	3 178 000	4 010 000
Total Assets	65 261 000	74 169 000	56 419 000	55 945 000
Total Equity	51 667 000	61 806 000	45 718 000	43 540 000

Income (NOK)	2022	2021	2020	2019
Revenue	71 877 000	64 549 000	42 082 000	47 940 000
Expenditure	73 033 000	64 388 000	39 333 000	43 538 000
Operating Profit	−1 155 000	161 000	2 749 000	4 402 000
Financial Income	946 000	3 278 000	1 374 000	1 933 000
Financial Costs	3 551 000	63 000	314 000	1 084 000
Financial Balance	−2 605 000	3 215 000	1 060 000	849 000
Earnings Before Tax	−3 760 000	3 376 000	3 809 000	5 251 000
Tax	0	245 000	631 000	1 241 000
Net Income	−3 310 000	3 131 000	3 178 000	4 010 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	6 031 000	23 476 000	16 742 000	9 717 000
Total Current Assets	59 229 000	50 693 000	39 677 000	46 228 000
Total Assets	65 261 000	74 169 000	56 419 000	55 945 000
Total Retained Equity	0	61 806 000	45 718 000	43 540 000
Total Equity	51 667 000	61 806 000	45 718 000	43 540 000
Total Long-Term Debt	208 000	784 000	606 000	635 000
Total Current Debt	13 386 000	11 578 000	10 095 000	11 770 000
Total Equity and Debt	65 261 000	74 168 000	56 419 000	55 945 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	69 961 000	62 706 000	40 749 000	46 841 000
Other Income	1 917 000	1 843 000	1 333 000	1 099 000
Revenue	71 877 000	64 549 000	42 082 000	47 940 000
Cost of Goods Sold	−1 660 000	−830 000	2 053 000	1 661 000
Salary Costs	45 406 000	35 079 000	23 391 000	26 566 000
Depreciation	795 000	360 000	346 000	503 000
Impairment	0	0	0	0
Expenditure	73 033 000	64 388 000	39 333 000	43 538 000
Operating Profit	−1 155 000	161 000	2 749 000	4 402 000
Financial Income	946 000	3 278 000	1 374 000	1 933 000
Financial Costs	3 551 000	63 000	314 000	1 084 000
Financial Balance	−2 605 000	3 215 000	1 060 000	849 000
Dividends	0	1 000 000	1 000 000	1 000 000
Net Income	−3 310 000	3 131 000	3 178 000	4 010 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	3 439 000	0	0	0
Real Eastate	624 000	703 000	782 000	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	731 000	463 000	309 000	1 372 000
Total Tangible Assets	1 355 000	1 166 000	1 091 000	1 372 000
Total Fiancial Fixed Assets	1 237 000	22 310 000	15 651 000	8 345 000
Total Fixed Assets	6 031 000	23 476 000	16 742 000	9 717 000
Stock	0	0	0	0
Total Investments	30 197 000	29 358 000	25 766 000	32 947 000
Cash, Bank	13 063 000	10 900 000	7 703 000	8 760 000
Total Current Assets	59 229 000	50 693 000	39 677 000	46 228 000
Total Assets	65 261 000	74 169 000	56 419 000	55 945 000
Total Equity	51 667 000	61 806 000	45 718 000	43 540 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	208 000	784 000	606 000	635 000
Creditors	3 694 000	3 589 000	1 823 000	2 260 000
Unpaid Taxes	5 102 000	3 344 000	2 585 000	2 554 000
Dividends	0	1 000 000	1 000 000	1 000 000
Other Current Debt	4 466 000	3 645 000	4 042 000	4 674 000
Total Current Debt	13 386 000	11 578 000	10 095 000	11 770 000
Total Equity and Debt	65 261 000	74 168 000	56 419 000	55 945 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−6,41 %	5,07 %	6,95 %	9,21 %
Debt-to-Equity Ratio	0	0,01	0,01	0,01
Operating Profit Margin	−1,61 %	0,25 %	6,53 %	9,18 %
Current Ratio	4,42	4,38	3,93	3,93
Quick Ratio	4,42	4,38	3,93	3,93
Equity Ratio	0,79	0,83	0,81	0,78
Gross Profit Margin	102,31 %	101,29 %	95,12 %	96,54 %