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KSJ FINANS ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About KSJ FINANS ApS
KSJ FINANS ApS (CVR number: 31603668) is a company from RANDERS. The company recorded a gross profit of 63.7 kDKK in 2025. The operating profit was 44.8 kDKK, while net earnings were -14.6 kDKK. The profitability of the company measured by Return on Assets (ROA) was 2.8 %, which can be considered weak but Return on Equity (ROE) was -2 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 27.9 %, a level that can be considered to be low. This means a higher proportion of debt in its capital structure, indicating a greater reliance on borrowed funds. KSJ FINANS ApS's liquidity measured by quick ratio was 2.9 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 | -21.89 | -32.00 | -17.27 | -37.96 | 63.70 |
| EBIT | -21.89 | -32.00 | -17.27 | -37.96 | 44.78 |
| Net earnings | -29.84 | -38.00 | 3.10 | 39.84 | -14.63 |
| Shareholders equity total | 1 367.35 | 1 015.00 | 871.23 | 789.07 | 639.44 |
| Balance sheet total (assets) | 1 372.35 | 1 020.00 | 876.23 | 794.64 | 2 345.89 |
| Net debt | -1 347.35 | - 995.00 | - 811.23 | - 782.14 | 1 489.41 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | -1.5 % | -2.6 % | 0.3 % | 7.8 % | 2.8 % |
| ROE | -2.1 % | -3.2 % | 0.3 % | 4.8 % | -2.0 % |
| ROI | -1.5 % | -2.6 % | 0.3 % | 4.9 % | 3.4 % |
| Economic value added (EVA) | -97.77 | - 100.71 | -68.27 | -81.74 | 5.13 |
| Solvency | |||||
| Equity ratio | 99.6 % | 99.5 % | 99.4 % | 99.3 % | 27.9 % |
| Gearing | 257.1 % | ||||
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 269.5 | 199.0 | 162.2 | 140.4 | 2.9 |
| Current ratio | 269.5 | 199.0 | 162.2 | 140.4 | 1.4 |
| Cash and cash equivalents | 1 347.35 | 995.00 | 811.23 | 782.14 | 154.76 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | AA | A | AA | AA | A |
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