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A.J. FINANS A/S — Credit Rating and Financial Key Figures
Credit rating
Company information
About A.J. FINANS A/S
A.J. FINANS A/S (CVR number: 19939839) is a company from HORSENS. The company recorded a gross profit of -21.1 kDKK in 2025. The operating profit was -221.5 kDKK, while net earnings were -31.2 kDKK. The profitability of the company measured by Return on Assets (ROA) was 0.2 %, which can be considered weak but Return on Equity (ROE) was -0.7 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 99.7 %, a level that can be considered to be very good, which means that the majority of assets are financed by equity. A.J. FINANS A/S's liquidity measured by quick ratio was 397.1 which is at a very high level. Thus, the company demonstrates exceptional financial stability, possessing a significant surplus of liquid assets over its short-term liabilities.
Financial information
See financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | |||||
| Gross profit | -18.32 | -20.63 | -20.23 | -21.22 | -21.12 |
| EBIT | - 168.31 | - 170.63 | - 228.11 | - 200.22 | - 221.51 |
| Net earnings | 388.34 | - 637.57 | 24.03 | 311.75 | -31.23 |
| Shareholders equity total | 4 940.79 | 4 303.22 | 4 327.26 | 4 639.00 | 4 607.77 |
| Balance sheet total (assets) | 4 963.56 | 4 320.44 | 4 338.51 | 4 660.25 | 4 619.41 |
| Net debt | -4 955.10 | -4 087.69 | -4 151.43 | -4 557.42 | -4 485.75 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | 11.1 % | 1.5 % | 2.1 % | 9.5 % | 0.2 % |
| ROE | 8.1 % | -13.8 % | 0.6 % | 7.0 % | -0.7 % |
| ROI | 11.1 % | 1.5 % | 2.1 % | 9.5 % | 0.2 % |
| Economic value added (EVA) | - 376.34 | - 381.85 | - 356.77 | - 373.78 | - 404.70 |
| Solvency | |||||
| Equity ratio | 99.5 % | 99.6 % | 99.7 % | 99.5 % | 99.7 % |
| Gearing | 0.2 % | 0.1 % | 0.2 % | 0.0 % | |
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 218.0 | 251.0 | 385.6 | 219.3 | 397.1 |
| Current ratio | 218.0 | 251.0 | 385.6 | 219.3 | 397.1 |
| Cash and cash equivalents | 4 963.26 | 4 093.65 | 4 151.43 | 4 567.42 | 4 486.14 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | AA | AA | AA | AA | AA |
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