PAJ FINANS A/S — Credit Rating and Financial Key Figures
Credit rating
Company information
About PAJ FINANS A/S
PAJ FINANS A/S (CVR number: 78207728) is a company from AARHUS. The company recorded a gross profit of -61 kDKK in 2023. The operating profit was -61 kDKK, while net earnings were 1094.8 kDKK. The profitability of the company measured by Return on Assets (ROA) was 15.1 %, which can be considered excellent and Return on Equity (ROE) was 18.3 %, which can be considered excellent. The equity ratio, a key indicator for solidity, stood at 55 %, a level that can be considered to be modest. This means a balanced mix of debt and equity financing its assets—a typical operational level for many companies. PAJ FINANS A/S's liquidity measured by quick ratio was 2.2 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 financials2019 | 2020 | 2021 | 2022 | 2023 | |
---|---|---|---|---|---|
Volume | |||||
Net sales | |||||
Gross profit | -61.44 | -67.86 | -69.22 | -56.88 | -61.04 |
EBIT | -61.44 | -67.86 | -69.22 | -56.88 | -61.04 |
Net earnings | 680.47 | 3 153.43 | 271.13 | - 343.86 | 1 094.78 |
Shareholders equity total | 2 364.04 | 5 517.47 | 5 788.60 | 5 444.74 | 6 539.52 |
Balance sheet total (assets) | 10 168.83 | 13 828.78 | 10 883.74 | 10 509.78 | 11 887.82 |
Net debt | -6 953.61 | -10 612.50 | -5 724.58 | -5 325.40 | -6 637.01 |
Profitability | |||||
EBIT-% | |||||
ROA | 9.8 % | 31.2 % | 3.9 % | 1.0 % | 15.1 % |
ROE | 33.6 % | 80.0 % | 4.8 % | -6.1 % | 18.3 % |
ROI | 19.1 % | 54.0 % | 5.0 % | 1.0 % | 15.3 % |
Economic value added (EVA) | 320.06 | 321.94 | 352.91 | 191.15 | 197.65 |
Solvency | |||||
Equity ratio | 23.2 % | 39.9 % | 53.2 % | 51.8 % | 55.0 % |
Gearing | 126.9 % | 54.4 % | 86.4 % | 91.8 % | 76.5 % |
Relative net indebtedness % | |||||
Liquidity | |||||
Quick ratio | 1.3 | 1.7 | 2.1 | 2.1 | 2.2 |
Current ratio | 1.3 | 1.7 | 2.1 | 2.1 | 2.2 |
Cash and cash equivalents | 9 953.61 | 13 612.50 | 10 724.58 | 10 325.40 | 11 637.01 |
Capital use efficiency | |||||
Trade debtors turnover (days) | |||||
Net working capital % | |||||
Credit risk | |||||
Credit rating | BBB | BBB | BBB | BBB | A |
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