PARETO FORSIKRINGSMEGLING AS

0250 OSLO

Finances

Share Ownership

Return on Equity

57,14 %

Current Ratio

1,51

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	80 511 000	72 785 000	69 086 000	68 539 000
Net Income	14 347 000	12 324 000	10 860 000	11 236 000
Total Assets	69 387 000	63 322 000	62 343 000	62 807 000
Total Equity	25 110 000	25 631 000	25 946 000	25 988 000

Income (NOK)	2022	2021	2020	2019
Revenue	80 511 000	72 785 000	69 086 000	68 539 000
Expenditure	55 231 000	50 907 000	49 390 000	48 912 000
Operating Profit	25 280 000	21 877 000	19 695 000	19 628 000
Financial Income	1 653 000	988 000	−3 777 000	668 000
Financial Costs	7 626 000	6 335 000	1 316 000	5 180 000
Financial Balance	−5 973 000	−5 347 000	−5 093 000	−4 512 000
Earnings Before Tax	19 307 000	16 531 000	14 602 000	15 116 000
Tax	4 959 000	4 207 000	3 742 000	3 880 000
Net Income	14 347 000	12 324 000	10 860 000	11 236 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	2 657 000	1 634 000	1 280 000	1 178 000
Total Current Assets	66 730 000	61 688 000	61 062 000	61 629 000
Total Assets	69 387 000	63 322 000	62 343 000	62 807 000
Total Retained Equity	0	0	0	23 789 000
Total Equity	25 110 000	25 631 000	25 946 000	25 988 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	44 276 000	37 690 000	36 397 000	36 819 000
Total Equity and Debt	69 387 000	63 322 000	62 343 000	62 807 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	80 511 000	72 785 000	69 086 000	68 539 000
Other Income	0	0	0	0
Revenue	80 511 000	72 785 000	69 086 000	68 539 000
Cost of Goods Sold	0	0	0	0
Salary Costs	40 519 000	36 819 000	35 394 000	35 495 000
Depreciation	696 000	456 000	453 000	365 000
Impairment	0	0	0	0
Expenditure	55 231 000	50 907 000	49 390 000	48 912 000
Operating Profit	25 280 000	21 877 000	19 695 000	19 628 000
Financial Income	1 653 000	988 000	−3 777 000	668 000
Financial Costs	7 626 000	6 335 000	1 316 000	5 180 000
Financial Balance	−5 973 000	−5 347 000	−5 093 000	−4 512 000
Dividends	0	0	0	0
Net Income	14 347 000	12 324 000	10 860 000	11 236 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	154 000	157 000	151 000	178 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	2 450 000	1 476 000	1 129 000	884 000
Total Tangible Assets	2 450 000	1 476 000	1 129 000	884 000
Total Fiancial Fixed Assets	52 000	0	0	116 000
Total Fixed Assets	2 657 000	1 634 000	1 280 000	1 178 000
Stock	0	0	0	0
Total Investments	5 591 000	5 566 000	5 394 000	5 291 000
Cash, Bank	24 090 000	18 120 000	17 793 000	18 009 000
Total Current Assets	66 730 000	61 688 000	61 062 000	61 629 000
Total Assets	69 387 000	63 322 000	62 343 000	62 807 000
Total Equity	25 110 000	25 631 000	25 946 000	25 988 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	0	0	0	0
Creditors	919 000	322 000	2 194 000	1 972 000
Unpaid Taxes	2 060 000	1 977 000	1 962 000	1 743 000
Dividends	0	0	0	0
Other Current Debt	41 297 000	35 391 000	32 241 000	33 104 000
Total Current Debt	44 276 000	37 690 000	36 397 000	36 819 000
Total Equity and Debt	69 387 000	63 322 000	62 343 000	62 807 000

Financial indicators	2022	2021	2020	2019
Return on Equity	57,14 %	48,08 %	41,86 %	43,24 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	31,4 %	30,06 %	28,51 %	28,64 %
Current Ratio	1,51	1,64	1,68	1,67
Quick Ratio	1,51	1,64	1,68	1,67
Equity Ratio	0,36	0,4	0,42	0,41
Gross Profit Margin	100 %	100 %	100 %	100 %