Intelligent Banker ApS — Credit Rating and Financial Key Figures

CVR number: 32260055
Brandts Passage 29, 5000 Odense C
torbenkr6@gmail.com

Company information

Official name
Intelligent Banker ApS
Personnel
21 persons
Established
2009
Company form
Private limited company
Industry

About Intelligent Banker ApS

Intelligent Banker ApS (CVR number: 32260055) is a company from ODENSE. The company recorded a gross profit of 8190.1 kDKK in 2023. The operating profit was 437.9 kDKK, while net earnings were 426.6 kDKK. The profitability of the company measured by Return on Assets (ROA) was 5.4 %, which can be considered decent but Return on Equity (ROE) was 14.5 %, which can be considered good. The equity ratio, a key indicator for solidity, stood at 24.9 %, 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 1.2 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 financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2019
2020
2021
2022
2023
Volume
Net sales
Gross profit6 167.186 542.148 611.6110 457.938 190.08
EBIT-1 939.70994.202 076.742 511.46437.86
Net earnings-1 725.92607.711 710.762 055.53426.63
Shareholders equity total2 548.963 156.674 267.423 722.952 149.59
Balance sheet total (assets)9 705.099 485.7310 093.1010 802.268 644.73
Net debt2 516.021 170.511 994.544 670.024 750.83
Profitability
EBIT-%
ROA-13.1 %10.8 %22.4 %25.9 %5.4 %
ROE-38.3 %21.3 %46.1 %51.5 %14.5 %
ROI-16.7 %14.5 %28.6 %32.0 %6.4 %
Economic value added (EVA)-1 442.12812.521 687.511 872.64291.31
Solvency
Equity ratio26.3 %33.3 %42.3 %34.5 %24.9 %
Gearing113.6 %92.5 %71.2 %127.1 %224.9 %
Relative net indebtedness %
Liquidity
Quick ratio1.01.31.51.41.2
Current ratio1.01.31.51.41.2
Cash and cash equivalents378.511 749.081 044.6660.4783.07
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingBBBAAAA

Variable visualization

ROA:5.37%
Rating: 44/100
-20%
0%
4%
11%
24%
60%
Graph showing the distribution of the variable
Equity ratio:24.9%
Rating: 23/100
-1%
21%
50%
81%
99%
100%
Graph showing the distribution of the variable

Roles

Chief executive officer

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