SPAREBANKHUSET AS

5411 STORD

Finances

Share Ownership

Return on Equity

−6,5 %

Current Ratio

1,02

Debt-to-Equity Ratio

6,81

Key figures (NOK)	2022	2021	2020	2019
Revenue	2 630 000	1 883 000	1 491 000	1 446 000
Net Income	−143 000	−155 000	49 000	−29 000
Total Assets	18 059 000	18 742 000	11 469 000	10 922 000
Total Equity	2 201 000	2 345 000	2 500 000	5 034 000

Income (NOK)	2022	2021	2020	2019
Revenue	2 630 000	1 883 000	1 491 000	1 446 000
Expenditure	2 167 000	1 811 000	1 430 000	1 486 000
Operating Profit	462 000	72 000	62 000	−39 000
Financial Income	11 000	6 000	1 000	2 000
Financial Costs	658 000	277 000	0	0
Financial Balance	−647 000	−271 000	1 000	2 000
Earnings Before Tax	−184 000	−199 000	63 000	−38 000
Tax	−40 000	−44 000	14 000	−8 000
Net Income	−143 000	−155 000	49 000	−29 000

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	17 184 000	17 925 000	10 386 000	10 882 000
Total Current Assets	874 000	817 000	1 083 000	40 000
Total Assets	18 059 000	18 742 000	11 469 000	10 922 000
Total Retained Equity	−299 000	−155 000	0	2 348 000
Total Equity	2 201 000	2 345 000	2 500 000	5 034 000
Total Long-Term Debt	14 996 000	15 843 000	5 691 000	4 278 000
Total Current Debt	861 000	554 000	3 278 000	1 610 000
Total Equity and Debt	18 059 000	18 742 000	11 469 000	10 922 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	1 886 000	1 474 000	0	0
Other Income	743 000	410 000	1 491 000	1 446 000
Revenue	2 630 000	1 883 000	1 491 000	1 446 000
Cost of Goods Sold	0	0	0	121 000
Salary Costs	0	179 000	280 000	153 000
Depreciation	719 000	550 000	496 000	496 000
Impairment	0	0	0	0
Expenditure	2 167 000	1 811 000	1 430 000	1 486 000
Operating Profit	462 000	72 000	62 000	−39 000
Financial Income	11 000	6 000	1 000	2 000
Financial Costs	658 000	277 000	0	0
Financial Balance	−647 000	−271 000	1 000	2 000
Dividends	0	0	0	1 500 000
Net Income	−143 000	−155 000	49 000	−29 000

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	0	0	0	0
Real Eastate	11 199 000	10 775 000	10 386 000	10 882 000
Machinery and Plant Facilities	0	0	0	0
Fixtures	0	0	0	0
Total Tangible Assets	11 199 000	10 775 000	10 386 000	10 882 000
Total Fiancial Fixed Assets	5 985 000	7 150 000	0	0
Total Fixed Assets	17 184 000	17 925 000	10 386 000	10 882 000
Stock	0	0	0	0
Total Investments	0	0	0	0
Cash, Bank	398 000	363 000	376 000	8 000
Total Current Assets	874 000	817 000	1 083 000	40 000
Total Assets	18 059 000	18 742 000	11 469 000	10 922 000
Total Equity	2 201 000	2 345 000	2 500 000	5 034 000
Short-Term Group Debt	0	0	2 933 000	50 000
Total Long-Term Debt	14 996 000	15 843 000	5 691 000	4 278 000
Creditors	653 000	80 000	49 000	19 000
Unpaid Taxes	0	41 000	52 000	24 000
Dividends	0	0	0	1 500 000
Other Current Debt	202 000	433 000	243 000	16 000
Total Current Debt	861 000	554 000	3 278 000	1 610 000
Total Equity and Debt	18 059 000	18 742 000	11 469 000	10 922 000

Financial indicators	2022	2021	2020	2019
Return on Equity	−6,5 %	−6,61 %	1,96 %	−0,58 %
Debt-to-Equity Ratio	6,81	6,76	2,28	0,85
Operating Profit Margin	17,57 %	3,82 %	4,16 %	−2,7 %
Current Ratio	1,02	1,47	0,33	0,02
Quick Ratio	1,02	1,47	0,33	0,02
Equity Ratio	0,12	0,13	0,22	0,46
Gross Profit Margin	100 %	100 %	100 %	91,63 %