BERGEN FORSIKRINGSSENTER AS

5257 KOKSTAD

Finances

Share Ownership

Return on Equity

83,5 %

Current Ratio

1,1

Debt-to-Equity Ratio

1,22

Key figures (NOK)	2022	2021	2020	2019
Revenue	10 761 000	13 211 000	14 890 000	13 605 000
Net Income	329 000	999 000	1 812 000	812 000
Total Assets	4 343 000	5 783 000	5 847 000	4 383 000
Total Equity	394 000	1 115 000	1 916 000	914 000

Income (NOK)	2022	2021	2020	2019
Revenue	10 761 000	13 211 000	14 890 000	13 605 000
Expenditure	10 305 000	11 867 000	12 448 000	12 514 000
Operating Profit	456 000	1 344 000	2 441 000	1 092 000
Financial Income	0	0	1 000	1 000
Financial Costs	16 000	12 000	22 000	20 000
Financial Balance	−16 000	−12 000	−21 000	−19 000
Earnings Before Tax	440 000	1 332 000	2 420 000	1 073 000
Tax	111 000	334 000	607 000	262 000
Net Income	329 000	999 000	1 812 000	812 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	544 000	706 000	819 000	395 000
Total Current Assets	3 799 000	5 077 000	5 028 000	3 988 000
Total Assets	4 343 000	5 783 000	5 847 000	4 383 000
Total Retained Equity	294 000	1 015 000	1 816 000	814 000
Total Equity	394 000	1 115 000	1 916 000	914 000
Total Long-Term Debt	480 000	546 000	606 000	362 000
Total Current Debt	3 469 000	4 122 000	3 325 000	3 107 000
Total Equity and Debt	4 343 000	5 783 000	5 847 000	4 383 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	0	0	0	0
Other Income	10 761 000	13 211 000	14 890 000	13 605 000
Revenue	10 761 000	13 211 000	14 890 000	13 605 000
Cost of Goods Sold	250 000	293 000	142 000	69 000
Salary Costs	8 286 000	9 797 000	10 768 000	10 809 000
Depreciation	163 000	162 000	112 000	78 000
Impairment	0	0	0	0
Expenditure	10 305 000	11 867 000	12 448 000	12 514 000
Operating Profit	456 000	1 344 000	2 441 000	1 092 000
Financial Income	0	0	1 000	1 000
Financial Costs	16 000	12 000	22 000	20 000
Financial Balance	−16 000	−12 000	−21 000	−19 000
Dividends	1 050 000	1 800 000	810 000	0
Net Income	329 000	999 000	1 812 000	812 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	544 000	706 000	819 000	395 000
Total Tangible Assets	544 000	706 000	819 000	395 000
Total Fiancial Fixed Assets	0	0	0	0
Total Fixed Assets	544 000	706 000	819 000	395 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	2 655 000	4 431 000	3 841 000	2 283 000
Total Current Assets	3 799 000	5 077 000	5 028 000	3 988 000
Total Assets	4 343 000	5 783 000	5 847 000	4 383 000
Total Equity	394 000	1 115 000	1 916 000	914 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	480 000	546 000	606 000	362 000
Creditors	105 000	125 000	54 000	39 000
Unpaid Taxes	882 000	616 000	1 116 000	943 000
Dividends	1 050 000	1 800 000	810 000	0
Other Current Debt	1 306 000	3 040 000	1 598 000	1 865 000
Total Current Debt	3 469 000	4 122 000	3 325 000	3 107 000
Total Equity and Debt	4 343 000	5 783 000	5 847 000	4 383 000

Financial indicators	2022	2021	2020	2019
Return on Equity	83,5 %	89,6 %	94,57 %	88,84 %
Debt-to-Equity Ratio	1,22	0,49	0,32	0,4
Operating Profit Margin	4,24 %	10,17 %	16,39 %	8,03 %
Current Ratio	1,1	1,23	1,51	1,28
Quick Ratio	1,1	1,23	1,51	1,28
Equity Ratio	0,09	0,19	0,33	0,21
Gross Profit Margin	97,68 %	97,78 %	99,05 %	99,49 %