LANDKREDITT FORSIKRING AS

0162 OSLO

Finances

Return on Equity

6,11 %

Current Ratio

4,54

Debt-to-Equity Ratio

2,59

Key figures (NOK)	2022	2021	2020	2019
Revenue	423 759 000	353 646 000	307 995 000	256 877 000
Net Income	24 008 000	19 226 000	−15 298 000	34 225 000
Total Assets	1 596 338 000	1 546 522 000	1 440 545 000	1 374 915 000
Total Equity	393 175 000	319 166 000	279 940 000	295 237 000

Income (NOK)	2022	2021	2020	2019
Revenue	423 759 000	353 646 000	307 995 000	256 877 000
Expenditure	0	0	0	0
Operating Profit	20 329 000	12 485 000	−18 159 000	4 096 000
Financial Income	16 370 000	16 287 000	3 571 000	41 644 000
Financial Costs	63 000	72 000	86 000	122 000
Financial Balance	16 307 000	16 215 000	3 485 000	41 522 000
Earnings Before Tax	32 064 000	24 927 000	−18 775 000	40 234 000
Tax	8 056 000	5 701 000	−3 477 000	6 009 000
Net Income	24 008 000	19 226 000	−15 298 000	34 225 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	690 689 000	794 632 000	1 146 091 000	424 082 000
Total Current Assets	830 724 000	707 645 000	262 317 000	936 475 000
Total Assets	1 596 338 000	1 546 522 000	1 440 545 000	1 374 915 000
Total Retained Equity	249 993 000	225 984 000	206 758 000	222 055 000
Total Equity	393 175 000	319 166 000	279 940 000	295 237 000
Total Long-Term Debt	1 020 079 000	1 015 483 000	975 859 000	894 767 000
Total Current Debt	183 084 000	211 873 000	184 746 000	184 911 000
Total Equity and Debt	1 596 338 000	1 546 522 000	1 440 545 000	1 374 915 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	416 366 000	345 823 000	300 433 000	250 624 000
Other Income	7 393 000	7 823 000	7 562 000	6 253 000
Revenue	423 759 000	353 646 000	307 995 000	256 877 000
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	20 329 000	12 485 000	−18 159 000	4 096 000
Financial Income	16 370 000	16 287 000	3 571 000	41 644 000
Financial Costs	63 000	72 000	86 000	122 000
Financial Balance	16 307 000	16 215 000	3 485 000	41 522 000
Dividends	0	0	0	0
Net Income	24 008 000	19 226 000	−15 298 000	34 225 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	89 336 000	60 002 000	32 137 000	14 358 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	317 000	429 000	21 962 000	29 609 000
Total Tangible Assets	16 045 000	20 310 000	21 962 000	29 609 000
Total Fiancial Fixed Assets	657 306 000	757 705 000	1 121 537 000	394 473 000
Total Fixed Assets	690 689 000	794 632 000	1 146 091 000	424 082 000
Stock	0	0	0	0
Total Investments	559 848 000	464 370 000	33 699 000	728 342 000
Cash, Bank	0	0	0	0
Total Current Assets	830 724 000	707 645 000	262 317 000	936 475 000
Total Assets	1 596 338 000	1 546 522 000	1 440 545 000	1 374 915 000
Total Equity	393 175 000	319 166 000	279 940 000	295 237 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 020 079 000	1 015 483 000	975 859 000	894 767 000
Creditors	81 061 000	96 146 000	83 604 000	69 929 000
Unpaid Taxes	0	0	0	0
Dividends	0	0	0	0
Other Current Debt	102 023 000	115 727 000	101 142 000	114 982 000
Total Current Debt	183 084 000	211 873 000	184 746 000	184 911 000
Total Equity and Debt	1 596 338 000	1 546 522 000	1 440 545 000	1 374 915 000

Financial indicators	2022	2021	2020	2019
Return on Equity	6,11 %	6,02 %	−5,46 %	11,59 %
Debt-to-Equity Ratio	2,59	3,18	3,49	3,03
Operating Profit Margin	4,8 %	3,53 %	−5,9 %	1,59 %
Current Ratio	4,54	3,34	1,42	5,06
Quick Ratio	4,54	3,34	1,42	5,06
Equity Ratio	0,25	0,21	0,19	0,21
Gross Profit Margin	100 %	100 %	100 %	100 %