PAJ FINANS A/S — Credit Rating and Financial Key Figures

CVR number: 78207728
Kvædevej 9, 8270 Højbjerg
tel: 86210454

Company information

Official name
PAJ FINANS A/S
Established
1985
Company form
Limited company
Industry

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 financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2019
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 earnings680.473 153.43271.13- 343.861 094.78
Shareholders equity total2 364.045 517.475 788.605 444.746 539.52
Balance sheet total (assets)10 168.8313 828.7810 883.7410 509.7811 887.82
Net debt-6 953.61-10 612.50-5 724.58-5 325.40-6 637.01
Profitability
EBIT-%
ROA9.8 %31.2 %3.9 %1.0 %15.1 %
ROE33.6 %80.0 %4.8 %-6.1 %18.3 %
ROI19.1 %54.0 %5.0 %1.0 %15.3 %
Economic value added (EVA)320.06321.94352.91191.15197.65
Solvency
Equity ratio23.2 %39.9 %53.2 %51.8 %55.0 %
Gearing126.9 %54.4 %86.4 %91.8 %76.5 %
Relative net indebtedness %
Liquidity
Quick ratio1.31.72.12.12.2
Current ratio1.31.72.12.12.2
Cash and cash equivalents9 953.6113 612.5010 724.5810 325.4011 637.01
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingBBBBBBBBBBBBA

Variable visualization

ROA:15.1%
Rating: 66/100
-20%
0%
4%
11%
24%
60%
Graph showing the distribution of the variable
Equity ratio:55.0%
Rating: 43/100
-1%
21%
50%
81%
99%
100%
Graph showing the distribution of the variable

Roles

Chairman of the board
Board member

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