SPAREBANK 1 KUNDESENTER AS

4033 STAVANGER

Finances

Share Ownership

Return on Equity

0 %

Current Ratio

0,97

Debt-to-Equity Ratio

Key figures (NOK)	2022	2021	2020	2019
Revenue	92 961 000	83 935 000	71 935 000	68 173 000
Net Income	0	0	0	0
Total Assets	41 660 000	15 970 000	12 594 000	14 619 000
Total Equity	100 000	100 000	100 000	100 000

Income (NOK)	2022	2021	2020	2019
Revenue	92 961 000	83 935 000	71 935 000	68 173 000
Expenditure	92 957 000	83 891 000	71 892 000	68 127 000
Operating Profit	5 000	44 000	45 000	46 000
Financial Income	3 000	1 000	3 000	2 000
Financial Costs	7 000	40 000	39 000	53 000
Financial Balance	−4 000	−39 000	−36 000	−51 000
Earnings Before Tax	1 000	5 000	9 000	−5 000
Tax	1 000	5 000	21 000	4 000
Net Income	0	0	0	0

Balance (NOK)	2022	2021	2020	2019
Total Fixed Assets	1 452 000	215 000	580 000	651 000
Total Current Assets	40 208 000	15 755 000	12 014 000	13 967 000
Total Assets	41 660 000	15 970 000	12 594 000	14 619 000
Total Retained Equity	0	0	0	0
Total Equity	100 000	100 000	100 000	100 000
Total Long-Term Debt	0	0	0	0
Total Current Debt	41 560 000	15 870 000	12 494 000	14 519 000
Total Equity and Debt	41 660 000	15 970 000	12 594 000	14 619 000

Cash flow (NOK)	2022	2021	2020	2019
Sales Income	92 961 000	83 935 000	71 935 000	68 173 000
Other Income	0	0	0	0
Revenue	92 961 000	83 935 000	71 935 000	68 173 000
Cost of Goods Sold	0	0	0	0
Salary Costs	56 700 000	46 954 000	42 866 000	42 763 000
Depreciation	308 000	317 000	584 000	450 000
Impairment	0	0	0	0
Expenditure	92 957 000	83 891 000	71 892 000	68 127 000
Operating Profit	5 000	44 000	45 000	46 000
Financial Income	3 000	1 000	3 000	2 000
Financial Costs	7 000	40 000	39 000	53 000
Financial Balance	−4 000	−39 000	−36 000	−51 000
Dividends	0	0	0	0
Net Income	0	0	0	0

Balance details (NOK)	2022	2021	2020	2019
Goodwill	0	0	0	0
Total Intangible Assets	28 000	29 000	21 000	9 000
Real Eastate	0	0	0	0
Machinery and Plant Facilities	0	0	0	0
Fixtures	977 000	186 000	503 000	608 000
Total Tangible Assets	977 000	186 000	503 000	608 000
Total Fiancial Fixed Assets	447 000	0	56 000	35 000
Total Fixed Assets	1 452 000	215 000	580 000	651 000
Stock	0	0	348 000	189 000
Total Investments	0	0	0	0
Cash, Bank	3 165 000	7 454 000	5 320 000	4 838 000
Total Current Assets	40 208 000	15 755 000	12 014 000	13 967 000
Total Assets	41 660 000	15 970 000	12 594 000	14 619 000
Total Equity	100 000	100 000	100 000	100 000
Short-Term Group Debt	0	4 473 000	0	0
Total Long-Term Debt	0	0	0	0
Creditors	4 146 000	0	2 216 000	4 202 000
Unpaid Taxes	4 148 000	3 172 000	3 036 000	2 896 000
Dividends	0	0	0	0
Other Current Debt	33 266 000	8 212 000	7 221 000	7 417 000
Total Current Debt	41 560 000	15 870 000	12 494 000	14 519 000
Total Equity and Debt	41 660 000	15 970 000	12 594 000	14 619 000

Financial indicators	2022	2021	2020	2019
Return on Equity	0 %	0 %	0 %	0 %
Debt-to-Equity Ratio	0	0	0	0
Operating Profit Margin	0,01 %	0,05 %	0,06 %	0,07 %
Current Ratio	0,97	0,99	0,96	0,96
Quick Ratio	0,97	0,99	0,99	0,97
Equity Ratio	0	0,01	0,01	0,01
Gross Profit Margin	100 %	100 %	100 %	100 %