BYGG & BOLIGSIKRING AS

0581 OSLO

Finances

Share Ownership

Return on Equity

−3,85 %

Current Ratio

2,04

Debt-to-Equity Ratio

0,14

Key figures (NOK)	2022	2021	2020	2019
Revenue	17 232 000	19 961 000	17 445 000	20 212 000
Net Income	−140 000	550 000	546 000	1 387 000
Total Assets	6 383 000	10 522 000	9 595 000	8 476 000
Total Equity	3 634 000	6 775 000	6 507 000	5 961 000

Income (NOK)	2022	2021	2020	2019
Revenue	17 232 000	19 961 000	17 445 000	20 212 000
Expenditure	17 343 000	19 206 000	16 664 000	18 416 000
Operating Profit	−112 000	756 000	781 000	1 796 000
Financial Income	4 000	2 000	4 000	5 000
Financial Costs	37 000	19 000	46 000	7 000
Financial Balance	−33 000	−17 000	−42 000	−2 000
Earnings Before Tax	−144 000	739 000	739 000	1 794 000
Tax	−4 000	189 000	193 000	407 000
Net Income	−140 000	550 000	546 000	1 387 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 787 000	2 172 000	2 145 000	1 795 000
Total Current Assets	4 597 000	8 350 000	7 449 000	6 681 000
Total Assets	6 383 000	10 522 000	9 595 000	8 476 000
Total Retained Equity	3 137 000	6 277 000	6 010 000	5 464 000
Total Equity	3 634 000	6 775 000	6 507 000	5 961 000
Total Long-Term Debt	497 000	725 000	549 000	311 000
Total Current Debt	2 252 000	3 022 000	2 539 000	2 204 000
Total Equity and Debt	6 383 000	10 522 000	9 595 000	8 476 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	17 152 000	19 849 000	17 258 000	19 961 000
Other Income	80 000	112 000	187 000	251 000
Revenue	17 232 000	19 961 000	17 445 000	20 212 000
Cost of Goods Sold	8 878 000	10 785 000	7 680 000	10 575 000
Salary Costs	4 532 000	4 630 000	5 159 000	4 519 000
Depreciation	653 000	594 000	530 000	493 000
Impairment	0	0	0	0
Expenditure	17 343 000	19 206 000	16 664 000	18 416 000
Operating Profit	−112 000	756 000	781 000	1 796 000
Financial Income	4 000	2 000	4 000	5 000
Financial Costs	37 000	19 000	46 000	7 000
Financial Balance	−33 000	−17 000	−42 000	−2 000
Dividends	3 000 000	282 000	0	0
Net Income	−140 000	550 000	546 000	1 387 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	25 000	4 000	16 000	17 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	1 710 000	2 112 000	1 842 000	1 482 000
Total Tangible Assets	1 710 000	2 112 000	1 842 000	1 482 000
Total Fiancial Fixed Assets	53 000	56 000	287 000	296 000
Total Fixed Assets	1 787 000	2 172 000	2 145 000	1 795 000
Stock	610 000	692 000	669 000	528 000
Total Investments	0	0	0	0
Cash, Bank	894 000	1 884 000	2 010 000	1 703 000
Total Current Assets	4 597 000	8 350 000	7 449 000	6 681 000
Total Assets	6 383 000	10 522 000	9 595 000	8 476 000
Total Equity	3 634 000	6 775 000	6 507 000	5 961 000
Short-Term Group Debt	1 006 000	0	0	0
Total Long-Term Debt	497 000	725 000	549 000	311 000
Creditors	601 000	1 855 000	1 046 000	854 000
Unpaid Taxes	221 000	393 000	816 000	641 000
Dividends	3 000 000	282 000	0	0
Other Current Debt	408 000	315 000	484 000	322 000
Total Current Debt	2 252 000	3 022 000	2 539 000	2 204 000
Total Equity and Debt	6 383 000	10 522 000	9 595 000	8 476 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−3,85 %	8,12 %	8,39 %	23,27 %
Debt-to-Equity Ratio	0,14	0,11	0,08	0,05
Operating Profit Margin	−0,65 %	3,79 %	4,48 %	8,89 %
Current Ratio	2,04	2,76	2,93	3,03
Quick Ratio	2,8	3,58	3,98	3,99
Equity Ratio	0,57	0,64	0,68	0,7
Gross Profit Margin	48,48 %	45,97 %	55,98 %	47,68 %