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Luma Finans ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About Luma Finans ApS
Luma Finans ApS (CVR number: 10105080) is a company from KØBENHAVN. The company recorded a gross profit of -1210.4 kDKK in 2024. The operating profit was 6642.2 kDKK, while net earnings were 6837.8 kDKK. The profitability of the company measured by Return on Assets (ROA) was 15.8 %, which can be considered excellent but Return on Equity (ROE) was 10.9 %, which can be considered good. The equity ratio, a key indicator for solidity, stood at 78.9 %, a level that can be considered to be good. This shows that a large part of the company's assets are funded by shareholders' equity, reducing financial risk. Luma Finans ApS's liquidity measured by quick ratio was 9.3 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 financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | |||||
| Gross profit | 381.09 | 409.64 | 90.25 | 58.66 | -1 210.39 |
| EBIT | 49.95 | - 196.91 | - 570.23 | - 535.38 | 6 642.21 |
| Net earnings | 8 347.94 | 328.50 | 2 988.83 | 8 445.39 | 6 837.84 |
| Shareholders equity total | 52 571.58 | 50 900.07 | 53 774.50 | 60 219.89 | 65 057.73 |
| Balance sheet total (assets) | 75 448.51 | 74 696.18 | 81 041.98 | 91 243.99 | 102 382.20 |
| Net debt | -47 963.44 | -42 303.99 | -40 001.02 | -44 452.65 | -42 708.63 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | 16.0 % | 12.9 % | 8.3 % | 14.9 % | 15.8 % |
| ROE | 17.2 % | 0.6 % | 5.7 % | 14.8 % | 10.9 % |
| ROI | 19.7 % | 14.2 % | 8.3 % | 15.0 % | 15.9 % |
| Economic value added (EVA) | -2 499.36 | -3 256.74 | -3 495.34 | -3 724.50 | 1 145.16 |
| Solvency | |||||
| Equity ratio | 69.8 % | 83.9 % | 81.7 % | 78.6 % | 78.9 % |
| Gearing | 15.6 % | 18.3 % | 20.4 % | 23.3 % | 20.8 % |
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 4.0 | 15.8 | 11.8 | 10.0 | 9.3 |
| Current ratio | 3.9 | 15.4 | 11.6 | 9.9 | 9.2 |
| Cash and cash equivalents | 56 174.68 | 51 638.99 | 50 959.60 | 58 490.80 | 56 260.35 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | BBB | A | A | A | A |
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