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

CVR number: 78207728
Kvædevej 9, 8270 Højbjerg
tel: 86210454
Free credit report Annual report

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 -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 financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2020
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 earnings3 153.43271.13- 343.861 094.78- 990.25
Shareholders equity total5 517.475 788.605 444.746 539.525 549.27
Balance sheet total (assets)13 828.7810 883.7410 509.7811 887.8210 616.97
Net debt-10 612.50-5 724.58-5 325.40-6 637.01-5 138.80
Profitability
EBIT-%
ROA31.2 %3.9 %1.0 %15.1 %14.7 %
ROE80.0 %4.8 %-6.1 %18.3 %-16.4 %
ROI54.0 %5.0 %1.0 %15.3 %15.0 %
Economic value added (EVA)- 328.98- 481.87- 599.01- 572.46- 632.03
Solvency
Equity ratio39.9 %53.2 %51.8 %55.0 %52.3 %
Gearing54.4 %86.4 %91.8 %76.5 %90.1 %
Relative net indebtedness %
Liquidity
Quick ratio1.72.12.12.22.1
Current ratio1.72.12.12.22.1
Cash and cash equivalents13 612.5010 724.5810 325.4011 637.0110 138.80
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingBBBBBBBBBBBBBB

Variable visualization

ROA:14.7%
Rating: 66/100
-20%
0%
4%
11%
24%
60%
Graph showing the distribution of the variable
Equity ratio:52.3%
Rating: 41/100
-1%
21%
50%
81%
99%
100%
Graph showing the distribution of the variable

Roles

Chairman of the board
Board member

Companies in the same industry

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