AGS FORSIKRING AS

0255 OSLO

Finances

Share Ownership

Return on Equity

33,23 %

Current Ratio

2,25

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	5 563 000	5 076 000	4 649 000	5 291 000
Net Income	673 000	393 000	216 000	70 000
Total Assets	3 262 000	2 164 000	2 146 000	2 182 000
Total Equity	2 025 000	1 352 000	1 559 000	1 343 000

Income (NOK)	2022	2021	2020	2019
Revenue	5 563 000	5 076 000	4 649 000	5 291 000
Expenditure	4 681 000	4 549 000	4 364 000	5 196 000
Operating Profit	881 000	528 000	286 000	95 000
Financial Income	21 000	2 000	16 000	20 000
Financial Costs	0	6 000	3 000	7 000
Financial Balance	21 000	−4 000	13 000	13 000
Earnings Before Tax	902 000	524 000	299 000	109 000
Tax	229 000	131 000	83 000	38 000
Net Income	673 000	393 000	216 000	70 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	484 000	109 000	88 000	93 000
Total Current Assets	2 778 000	2 055 000	2 058 000	2 088 000
Total Assets	3 262 000	2 164 000	2 146 000	2 182 000
Total Retained Equity	1 925 000	1 252 000	1 459 000	1 243 000
Total Equity	2 025 000	1 352 000	1 559 000	1 343 000
Total Long-Term Debt	1 000	1 000	0	0
Total Current Debt	1 236 000	811 000	587 000	838 000
Total Equity and Debt	3 262 000	2 164 000	2 146 000	2 182 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	5 563 000	5 076 000	4 649 000	5 291 000
Other Income	0	0	0	0
Revenue	5 563 000	5 076 000	4 649 000	5 291 000
Cost of Goods Sold	0	0	0	0
Salary Costs	3 239 000	3 011 000	2 761 000	3 262 000
Depreciation	47 000	2 000	0	0
Impairment	0	0	0	0
Expenditure	4 681 000	4 549 000	4 364 000	5 196 000
Operating Profit	881 000	528 000	286 000	95 000
Financial Income	21 000	2 000	16 000	20 000
Financial Costs	0	6 000	3 000	7 000
Financial Balance	21 000	−4 000	13 000	13 000
Dividends	0	600 000	0	0
Net Income	673 000	393 000	216 000	70 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	360 000	0	0	0
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	36 000	21 000	0	0
Total Tangible Assets	36 000	21 000	0	0
Total Fiancial Fixed Assets	88 000	88 000	88 000	93 000
Total Fixed Assets	484 000	109 000	88 000	93 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	1 755 000	200 000	493 000	130 000
Total Current Assets	2 778 000	2 055 000	2 058 000	2 088 000
Total Assets	3 262 000	2 164 000	2 146 000	2 182 000
Total Equity	2 025 000	1 352 000	1 559 000	1 343 000
Short-Term Group Debt	0	0	0	0
Total Long-Term Debt	1 000	1 000	0	0
Creditors	373 000	33 000	49 000	114 000
Unpaid Taxes	285 000	183 000	168 000	212 000
Dividends	0	600 000	0	0
Other Current Debt	349 000	465 000	287 000	412 000
Total Current Debt	1 236 000	811 000	587 000	838 000
Total Equity and Debt	3 262 000	2 164 000	2 146 000	2 182 000

Financial indicators	2022	2021	2020	2019
Return on Equity	33,23 %	29,07 %	13,86 %	5,21 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	15,84 %	10,4 %	6,15 %	1,8 %
Current Ratio	2,25	2,53	3,51	2,49
Quick Ratio	2,25	2,53	3,51	2,49
Equity Ratio	0,62	0,62	0,73	0,62
Gross Profit Margin	100 %	100 %	100 %	100 %