Intelligent Banker ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About Intelligent Banker ApS
Intelligent Banker ApS (CVR number: 32260055) is a company from ODENSE. The company recorded a gross profit of 6720.4 kDKK in 2024. The operating profit was -787.8 kDKK, while net earnings were -518.9 kDKK. The profitability of the company measured by Return on Assets (ROA) was -8.3 %, which can be considered poor and Return on Equity (ROE) was -27.5 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 22 %, 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. Intelligent Banker ApS's liquidity measured by quick ratio was 1.1 which is at a high level. Thus, the company is in a strong financial position, with liquid assets surpassing current liabilities. It is well-prepared to cover short-term financial obligations.
Financial information
See financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2020 | 2021 | 2022 | 2023 | 2024 | |
---|---|---|---|---|---|
Volume | |||||
Net sales | |||||
Gross profit | 6 542.14 | 8 611.61 | 10 457.93 | 8 190.08 | 6 720.38 |
EBIT | 994.20 | 2 076.74 | 2 511.46 | 437.86 | - 787.78 |
Net earnings | 607.71 | 1 710.76 | 2 055.53 | 426.63 | - 518.92 |
Shareholders equity total | 3 156.67 | 4 267.42 | 3 722.95 | 2 149.59 | 1 630.66 |
Balance sheet total (assets) | 9 485.73 | 10 093.10 | 10 802.26 | 8 644.73 | 7 408.31 |
Net debt | 1 170.51 | 1 994.54 | 4 670.02 | 4 750.83 | 4 235.46 |
Profitability | |||||
EBIT-% | |||||
ROA | 10.8 % | 22.4 % | 25.9 % | 5.4 % | -8.3 % |
ROE | 21.3 % | 46.1 % | 51.5 % | 14.5 % | -27.5 % |
ROI | 14.5 % | 28.6 % | 32.0 % | 6.4 % | -9.9 % |
Economic value added (EVA) | 423.24 | 1 253.43 | 1 518.16 | -95.92 | - 987.51 |
Solvency | |||||
Equity ratio | 33.3 % | 42.3 % | 34.5 % | 24.9 % | 22.0 % |
Gearing | 92.5 % | 71.2 % | 127.1 % | 224.9 % | 264.2 % |
Relative net indebtedness % | |||||
Liquidity | |||||
Quick ratio | 1.3 | 1.5 | 1.4 | 1.2 | 1.1 |
Current ratio | 1.3 | 1.5 | 1.4 | 1.2 | 1.1 |
Cash and cash equivalents | 1 749.08 | 1 044.66 | 60.47 | 83.07 | 72.19 |
Capital use efficiency | |||||
Trade debtors turnover (days) | |||||
Net working capital % | |||||
Credit risk | |||||
Credit rating | A | A | A | BBB | BBB |
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