BPI Finans ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About BPI Finans ApS
BPI Finans ApS (CVR number: 37799564K) is a company from VEJLE. The company reported a net sales of 260.5 mDKK in 2020, demonstrating a decline of -5.8 % compared to the previous year. The operating profit percentage was at 6.2 % (EBIT: 16.1 mDKK), while net earnings were 10.3 mDKK. The profitability of the company measured by Return on Assets (ROA) was 8.6 %, which can be considered good but Return on Equity (ROE) was 18.5 %, which can be considered excellent. The equity ratio, a key indicator for solidity, stood at 34.8 %, 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. BPI Finans ApS's liquidity measured by quick ratio was 0.7 which is at a low level. Thus, the company may face difficulties in addressing its short-term obligations with its available liquid assets.
Financial information
See financialsNet sales (mDKK)
EBIT (mDKK)
Profitability
Solidity
Key figures (mDKK)
See financials2016 | 2017 | 2018 | 2019 | 2020 | |
---|---|---|---|---|---|
Volume | |||||
Net sales | 257.87 | 282.45 | 304.91 | 276.53 | 260.54 |
Gross profit | 71.03 | 64.84 | 79.78 | 64.19 | 69.41 |
EBIT | 11.63 | 0.79 | 14.61 | -0.22 | 16.07 |
Net earnings | 3.40 | -0.40 | 7.68 | -2.11 | 10.32 |
Shareholders equity total | 54.97 | 55.14 | 61.76 | 57.06 | 67.74 |
Balance sheet total (assets) | 217.35 | 223.81 | 212.52 | 188.14 | 194.73 |
Net debt | 121.67 | 125.80 | 109.04 | 95.27 | 64.61 |
Profitability | |||||
EBIT-% | 4.5 % | 0.3 % | 4.8 % | -0.1 % | 6.2 % |
ROA | 5.5 % | 1.3 % | 6.8 % | -0.0 % | 8.6 % |
ROE | 7.9 % | -0.9 % | 16.2 % | -4.1 % | 18.5 % |
ROI | 6.3 % | 1.5 % | 8.0 % | -0.0 % | 10.2 % |
Economic value added (EVA) | 7.25 | -3.51 | 5.98 | -4.59 | 7.73 |
Solvency | |||||
Equity ratio | 25.3 % | 24.6 % | 29.1 % | 30.3 % | 34.8 % |
Gearing | 224.4 % | 232.5 % | 180.3 % | 168.5 % | 119.9 % |
Relative net indebtedness % | 59.1 % | 56.3 % | 45.9 % | 43.9 % | 39.8 % |
Liquidity | |||||
Quick ratio | 0.4 | 0.4 | 0.4 | 0.4 | 0.7 |
Current ratio | 0.7 | 0.7 | 0.8 | 0.8 | 1.2 |
Cash and cash equivalents | 1.67 | 2.41 | 2.27 | 0.91 | 16.62 |
Capital use efficiency | |||||
Trade debtors turnover (days) | 49.1 | 46.5 | 37.9 | 28.3 | 36.3 |
Net working capital % | -11.3 % | -11.2 % | -5.9 % | -4.0 % | 3.8 % |
Credit risk | |||||
Credit rating | AAA | AA | AAA | A | AAA |
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