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My Personal Health Bank ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About My Personal Health Bank ApS
My Personal Health Bank ApS (CVR number: 41810548) is a company from VEJLE. The company recorded a gross profit of -151.5 kDKK in 2024. The operating profit was -927.6 kDKK, while net earnings were -748.5 kDKK. The profitability of the company measured by Return on Assets (ROA) was -20.3 %, which can be considered poor and Return on Equity (ROE) was -38.6 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 37.4 %, 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. My Personal Health Bank ApS's liquidity measured by quick ratio was 0.6 which is at a low level. Thus, the company may face difficulties in addressing its short-term obligations with its available liquid assets.
Financial information
See financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| Volume | ||||
| Net sales | ||||
| Gross profit | - 322.41 | - 381.40 | - 206.85 | - 151.49 |
| EBIT | - 435.41 | - 746.66 | - 977.23 | - 927.65 |
| Net earnings | - 188.85 | - 593.27 | - 846.84 | - 748.50 |
| Shareholders equity total | 1 796.86 | 3 161.55 | 2 314.71 | 1 566.21 |
| Balance sheet total (assets) | 3 672.63 | 6 098.18 | 4 951.80 | 4 193.19 |
| Net debt | 787.13 | 1 253.56 | 1 335.67 | 1 699.32 |
| Profitability | ||||
| EBIT-% | ||||
| ROA | -11.9 % | -15.2 % | -17.7 % | -20.3 % |
| ROE | -10.5 % | -23.9 % | -30.9 % | -38.6 % |
| ROI | -13.0 % | -17.7 % | -21.2 % | -24.4 % |
| Economic value added (EVA) | - 309.14 | - 704.77 | -1 018.76 | - 874.75 |
| Solvency | ||||
| Equity ratio | 48.9 % | 51.8 % | 46.7 % | 37.4 % |
| Gearing | 69.6 % | 45.2 % | 66.1 % | 120.6 % |
| Relative net indebtedness % | ||||
| Liquidity | ||||
| Quick ratio | 2.3 | 5.0 | 2.6 | 0.6 |
| Current ratio | 2.3 | 5.0 | 2.6 | 0.6 |
| Cash and cash equivalents | 463.90 | 175.94 | 194.25 | 189.32 |
| Capital use efficiency | ||||
| Trade debtors turnover (days) | ||||
| Net working capital % | ||||
| Credit risk | ||||
| Credit rating | BB | BB | BB | BB |
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