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Pleo Financial Services A/S — Credit Rating and Financial Key Figures
Credit rating
Company information
About Pleo Financial Services A/S
Pleo Financial Services A/S (CVR number: 39155435) is a company from KØBENHAVN. The company reported a net sales of 533.6 mDKK in 2025, demonstrating a growth of 10.9 % compared to the previous year. The operating profit percentage was at 43.4 % (EBIT: 231.7 mDKK), while net earnings were 198.8 mDKK. The profitability of the company measured by Return on Assets (ROA) was 14.1 %, which can be considered good but Return on Equity (ROE) was 37.8 %, which can be considered excellent. The equity ratio, a key indicator for solidity, stood at 31.5 %, 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. Pleo Financial Services A/S's liquidity measured by quick ratio was 1.5 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 financials2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | 481 175.00 | 533 647.00 | |||
| Gross profit | 79 081.00 | 196 218.00 | 213 812.00 | 280 319.00 | 258 965.00 |
| EBIT | 73 858.00 | 162 878.00 | 185 677.00 | 244 783.00 | 231 724.00 |
| Net earnings | 59 215.00 | 125 299.00 | 144 804.00 | 190 778.00 | 198 753.00 |
| Shareholders equity total | 122 513.00 | 247 812.00 | 392 616.00 | 426 508.00 | 626 107.00 |
| Balance sheet total (assets) | 747 789.00 | 1 166 722.00 | 1 714 884.00 | 1 890 736.00 | 1 985 362.00 |
| Net debt | -1 619 263.00 | -1 494 650.00 | |||
| Profitability | |||||
| EBIT-% | 50.9 % | 43.4 % | |||
| ROA | 13.5 % | 17.0 % | 12.9 % | 15.0 % | 14.1 % |
| ROE | 63.7 % | 67.7 % | 45.2 % | 46.6 % | 37.8 % |
| ROI | 13.5 % | 17.0 % | 12.9 % | 25.0 % | 50.3 % |
| Economic value added (EVA) | 70 677.28 | 156 721.72 | 173 224.45 | 161 280.65 | 151 686.91 |
| Solvency | |||||
| Equity ratio | 100.0 % | 100.0 % | 100.0 % | 22.6 % | 31.5 % |
| Gearing | 3.9 % | 3.2 % | |||
| Relative net indebtedness % | -35.7 % | -29.1 % | |||
| Liquidity | |||||
| Quick ratio | 1.3 | 1.5 | |||
| Current ratio | 1.3 | 1.5 | |||
| Cash and cash equivalents | 1 635 772.00 | 1 514 751.00 | |||
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | 88.6 % | 117.3 % | |||
| Credit risk | |||||
| Credit rating | A | A | A | A | A |
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