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 -72.1 kDKK in 2024. The operating profit was -72.1 kDKK, while net earnings were -990.2 kDKK. The profitability of the company measured by Return on Assets (ROA) was 14.7 %, which can be considered good but Return on Equity (ROE) was -16.4 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 52.3 %, 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 2.1 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 financials2020 | 2021 | 2022 | 2023 | 2024 | |
---|---|---|---|---|---|
Volume | |||||
Net sales | |||||
Gross profit | -67.86 | -69.22 | -56.88 | -61.04 | -72.08 |
EBIT | -67.86 | -69.22 | -56.88 | -61.04 | -72.08 |
Net earnings | 3 153.43 | 271.13 | - 343.86 | 1 094.78 | - 990.25 |
Shareholders equity total | 5 517.47 | 5 788.60 | 5 444.74 | 6 539.52 | 5 549.27 |
Balance sheet total (assets) | 13 828.78 | 10 883.74 | 10 509.78 | 11 887.82 | 10 616.97 |
Net debt | -10 612.50 | -5 724.58 | -5 325.40 | -6 637.01 | -5 138.80 |
Profitability | |||||
EBIT-% | |||||
ROA | 31.2 % | 3.9 % | 1.0 % | 15.1 % | 14.7 % |
ROE | 80.0 % | 4.8 % | -6.1 % | 18.3 % | -16.4 % |
ROI | 54.0 % | 5.0 % | 1.0 % | 15.3 % | 15.0 % |
Economic value added (EVA) | - 328.98 | - 481.87 | - 599.01 | - 572.46 | - 632.03 |
Solvency | |||||
Equity ratio | 39.9 % | 53.2 % | 51.8 % | 55.0 % | 52.3 % |
Gearing | 54.4 % | 86.4 % | 91.8 % | 76.5 % | 90.1 % |
Relative net indebtedness % | |||||
Liquidity | |||||
Quick ratio | 1.7 | 2.1 | 2.1 | 2.2 | 2.1 |
Current ratio | 1.7 | 2.1 | 2.1 | 2.2 | 2.1 |
Cash and cash equivalents | 13 612.50 | 10 724.58 | 10 325.40 | 11 637.01 | 10 138.80 |
Capital use efficiency | |||||
Trade debtors turnover (days) | |||||
Net working capital % | |||||
Credit risk | |||||
Credit rating | BBB | BBB | BBB | BBB | BB |
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