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SB Finans ApS — Credit Rating and Financial Key Figures

CVR number: 38413414
Kløvermarken 12, 9300 Sæby
sbfinans@fjvvs.dk
Free credit report Annual report

Company information

Official name
SB Finans ApS
Established
2017
Company form
Private limited company
Industry

About SB Finans ApS

SB Finans ApS (CVR number: 38413414) is a company from FREDERIKSHAVN. The company recorded a gross profit of 307.2 kDKK in 2025. The operating profit was 246 kDKK, while net earnings were 113.3 kDKK. The profitability of the company measured by Return on Assets (ROA) was 6.9 %, which can be considered decent but Return on Equity (ROE) was 11.5 %, which can be considered good. 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. SB Finans 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 financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2021
2022
2023
2024
2025
Volume
Net sales
Gross profit218.33333.17297.22302.04307.16
EBIT192.09301.93243.66248.47246.02
Net earnings75.28174.70139.54106.91113.29
Shareholders equity total510.33685.03824.57931.481 044.77
Balance sheet total (assets)2 700.692 597.512 548.852 831.784 364.70
Net debt1 858.781 677.261 469.571 276.643 041.75
Profitability
EBIT-%
ROA7.3 %11.4 %9.6 %9.3 %6.9 %
ROE15.9 %29.2 %18.5 %12.2 %11.5 %
ROI7.4 %11.6 %9.9 %9.8 %7.2 %
Economic value added (EVA)26.72110.2265.8172.2657.23
Solvency
Equity ratio18.9 %26.4 %32.4 %32.9 %23.9 %
Gearing394.4 %248.1 %181.5 %176.1 %293.2 %
Relative net indebtedness %
Liquidity
Quick ratio0.10.00.00.20.6
Current ratio0.10.00.00.20.6
Cash and cash equivalents154.0022.0626.97363.4621.03
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingAAAAA

Variable visualization

ROA:6.87%
Rating: 48/100
-20%
0%
4%
11%
24%
60%
Graph showing the distribution of the variable
Equity ratio:23.9%
Rating: 22/100
-1%
21%
50%
81%
99%
100%
Graph showing the distribution of the variable

Roles

Companies in the same industry

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