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SBT FINANS ApS — Credit Rating and Financial Key Figures

CVR number: 87729117
Gellerupvej 91, 6800 Varde
Free credit report Annual report

Company information

Official name
SBT FINANS ApS
Established
1978
Company form
Private limited company
Industry

About SBT FINANS ApS

SBT FINANS ApS (CVR number: 87729117) is a company from VARDE. The company recorded a gross profit of 646.8 kDKK in 2025. The operating profit was 449 kDKK, while net earnings were 349.1 kDKK. The profitability of the company measured by Return on Assets (ROA) was 15.4 %, which can be considered excellent and Return on Equity (ROE) was 42.4 %, which can be considered excellent. The equity ratio, a key indicator for solidity, stood at 23.9 %, 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. SBT FINANS ApS's liquidity measured by quick ratio was 5 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
2021
2022
2023
2024
2025
Volume
Net sales
Gross profit661.13654.84642.97599.02646.82
EBIT196.80190.5127.56398.74449.00
Net earnings124.86130.2312.96389.05349.09
Shareholders equity total2 039.214 126.303 839.26898.26747.36
Balance sheet total (assets)5 672.228 066.837 504.203 495.853 120.86
Net debt2 810.152 648.482 484.552 376.272 148.35
Profitability
EBIT-%
ROA4.3 %3.5 %1.2 %8.4 %15.4 %
ROE6.3 %4.2 %0.3 %16.4 %42.4 %
ROI4.5 %3.7 %1.2 %8.7 %16.5 %
Economic value added (EVA)- 153.09- 118.83- 373.4026.79184.62
Solvency
Equity ratio36.0 %51.2 %51.2 %25.7 %23.9 %
Gearing137.8 %64.2 %64.7 %264.5 %287.5 %
Relative net indebtedness %
Liquidity
Quick ratio3.94.64.75.15.0
Current ratio3.94.64.75.15.0
Cash and cash equivalents0.000.11
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingAAAAA

Variable visualization

ROA:15.4%
Rating: 67/100
-20%
0%
4%
11%
24%
60%
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Equity ratio:23.9%
Rating: 22/100
-1%
21%
50%
81%
99%
100%
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Roles

Chairman of the board
Board member
Board member

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