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TMJ FINANS A/S — Credit Rating and Financial Key Figures
Credit rating
Company information
About TMJ FINANS A/S
TMJ FINANS A/S (CVR number: 25021800) is a company from DRAGØR. The company reported a net sales of 1.3 mDKK in 2025, demonstrating a growth of 1.3 % compared to the previous year. The operating profit percentage was at 42.9 % (EBIT: 0.5 mDKK), while net earnings were -414 kDKK. The profitability of the company measured by Return on Assets (ROA) was 2.8 %, which can be considered weak but Return on Equity (ROE) was -1.7 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 85.6 %, a level that can be considered to be very good, which means that the majority of assets are financed by equity. TMJ FINANS A/S's liquidity measured by quick ratio was 10.6 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 financialsNet sales (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | 1 170.15 | 1 165.90 | 1 267.66 | 1 265.37 | 1 281.96 |
| Gross profit | 953.60 | 936.41 | 1 055.83 | 1 086.18 | 1 152.98 |
| EBIT | 3 957.22 | 67.39 | 2 885.28 | 1 212.73 | 549.81 |
| Net earnings | 4 059.58 | -1 393.29 | 3 263.46 | 2 011.98 | - 413.97 |
| Shareholders equity total | 22 411.05 | 20 917.76 | 24 081.22 | 25 993.20 | 24 079.24 |
| Balance sheet total (assets) | 26 925.99 | 24 808.61 | 28 385.94 | 30 442.79 | 28 429.48 |
| Net debt | -10 347.03 | -9 049.61 | -10 987.48 | -14 377.60 | -12 014.77 |
| Profitability | |||||
| EBIT-% | 338.2 % | 5.8 % | 227.6 % | 95.8 % | 42.9 % |
| ROA | 21.1 % | 0.9 % | 15.7 % | 8.7 % | 2.8 % |
| ROE | 19.9 % | -6.4 % | 14.5 % | 8.0 % | -1.7 % |
| ROI | 22.2 % | 1.0 % | 16.5 % | 9.1 % | 3.0 % |
| Economic value added (EVA) | 2 010.32 | -1 244.28 | 1 065.95 | - 404.40 | -1 026.26 |
| Solvency | |||||
| Equity ratio | 83.2 % | 84.3 % | 84.8 % | 85.4 % | 85.6 % |
| Gearing | 3.8 % | 2.4 % | |||
| Relative net indebtedness % | -788.8 % | -670.2 % | -766.9 % | -1023.0 % | -824.2 % |
| Liquidity | |||||
| Quick ratio | 9.8 | 6.8 | 8.7 | 14.6 | 10.6 |
| Current ratio | 9.8 | 6.8 | 8.7 | 14.6 | 8.4 |
| Cash and cash equivalents | 11 197.59 | 9 549.63 | 10 987.48 | 14 377.60 | 12 014.77 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | 70.5 % | 52.8 % | 52.8 % | 85.6 % | -3.4 % |
| Credit risk | |||||
| Credit rating | AA | A | AA | A | A |
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