ABZ PERSONAL AS

0667 OSLO

Finances

Share Ownership

Return on Equity

19,72 %

Current Ratio

1,06

Debt-to-Equity Ratio

0,08

Key figures (NOK)	2022	2021	2020	2019
Revenue	26 369 000	26 605 000	17 972 000	23 657 000
Net Income	313 000	48 000	−963 000	60 000
Total Assets	6 615 000	9 547 000	6 547 000	8 052 000
Total Equity	1 587 000	1 274 000	1 226 000	1 689 000

Income (NOK)	2022	2021	2020	2019
Revenue	26 369 000	26 605 000	17 972 000	23 657 000
Expenditure	25 992 000	26 364 000	19 213 000	23 560 000
Operating Profit	377 000	241 000	−1 241 000	97 000
Financial Income	4 000	1 000	10 000	17 000
Financial Costs	48 000	87 000	4 000	38 000
Financial Balance	−44 000	−86 000	6 000	−21 000
Earnings Before Tax	333 000	155 000	−1 234 000	75 000
Tax	20 000	107 000	−272 000	15 000
Net Income	313 000	48 000	−963 000	60 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 420 000	1 766 000	1 622 000	1 109 000
Total Current Assets	5 195 000	7 781 000	4 925 000	6 942 000
Total Assets	6 615 000	9 547 000	6 547 000	8 052 000
Total Retained Equity	263 000	−50 000	−98 000	865 000
Total Equity	1 587 000	1 274 000	1 226 000	1 689 000
Total Long-Term Debt	134 000	134 000	134 000	134 000
Total Current Debt	4 894 000	8 139 000	5 187 000	6 229 000
Total Equity and Debt	6 615 000	9 547 000	6 547 000	8 052 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	25 810 000	26 365 000	17 836 000	23 657 000
Other Income	560 000	240 000	137 000	0
Revenue	26 369 000	26 605 000	17 972 000	23 657 000
Cost of Goods Sold	0	0	125 000	674 000
Salary Costs	19 462 000	20 177 000	14 727 000	18 130 000
Depreciation	106 000	116 000	100 000	72 000
Impairment	0	0	0	0
Expenditure	25 992 000	26 364 000	19 213 000	23 560 000
Operating Profit	377 000	241 000	−1 241 000	97 000
Financial Income	4 000	1 000	10 000	17 000
Financial Costs	48 000	87 000	4 000	38 000
Financial Balance	−44 000	−86 000	6 000	−21 000
Dividends	0	0	0	0
Net Income	313 000	48 000	−963 000	60 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	74 000	2 000
Real Eastate	1 029 000	1 344 000	1 042 000	793 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	140 000	167 000	236 000	71 000
Total Tangible Assets	1 169 000	1 511 000	1 278 000	864 000
Total Fiancial Fixed Assets	251 000	255 000	270 000	243 000
Total Fixed Assets	1 420 000	1 766 000	1 622 000	1 109 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	3 007 000	1 993 000	2 128 000	2 714 000
Total Current Assets	5 195 000	7 781 000	4 925 000	6 942 000
Total Assets	6 615 000	9 547 000	6 547 000	8 052 000
Total Equity	1 587 000	1 274 000	1 226 000	1 689 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	134 000	134 000	134 000	134 000
Creditors	147 000	993 000	594 000	572 000
Unpaid Taxes	1 333 000	2 499 000	1 376 000	2 187 000
Dividends	0	0	0	0
Other Current Debt	3 394 000	4 614 000	3 218 000	3 449 000
Total Current Debt	4 894 000	8 139 000	5 187 000	6 229 000
Total Equity and Debt	6 615 000	9 547 000	6 547 000	8 052 000

Financial indicators	2022	2021	2020	2019
Return on Equity	19,72 %	3,77 %	−78,55 %	3,55 %
Debt-to-Equity Ratio	0,08	0,11	0,11	0,08
Operating Profit Margin	1,43 %	0,91 %	−6,91 %	0,41 %
Current Ratio	1,06	0,96	0,95	1,11
Quick Ratio	1,06	0,96	0,95	1,11
Equity Ratio	0,24	0,13	0,19	0,21
Gross Profit Margin	100 %	100 %	99,3 %	97,15 %