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CREDITREFORM ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About CREDITREFORM ApS
CREDITREFORM ApS (CVR number: 28489803) is a company from AABENRAA. The company recorded a gross profit of -12.5 kDKK in 2025. The operating profit was -12.5 kDKK, while net earnings were -12.6 kDKK. The profitability of the company measured by Return on Assets (ROA) was -20.9 %, which can be considered poor and Return on Equity (ROE) was -26.3 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 78.6 %, 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. CREDITREFORM ApS's liquidity measured by quick ratio was 4.7 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 financials2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | |||||
| Gross profit | -12.00 | -12.00 | -14.00 | -15.00 | -12.51 |
| EBIT | -12.00 | -12.00 | -14.00 | -15.00 | -12.51 |
| Net earnings | -13.00 | -11.00 | -14.00 | -16.00 | -12.58 |
| Shareholders equity total | 95.00 | 84.00 | 70.00 | 54.00 | 41.53 |
| Balance sheet total (assets) | 107.00 | 95.00 | 83.00 | 67.00 | 52.82 |
| Net debt | - 104.00 | -89.00 | -75.00 | -56.00 | -37.96 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | -10.6 % | -11.9 % | -15.7 % | -20.0 % | -20.9 % |
| ROE | -12.8 % | -12.3 % | -18.2 % | -25.8 % | -26.3 % |
| ROI | -11.8 % | -13.4 % | -18.2 % | -24.2 % | -26.2 % |
| Economic value added (EVA) | -17.43 | -16.77 | -18.22 | -18.52 | -15.22 |
| Solvency | |||||
| Equity ratio | 88.8 % | 88.4 % | 84.3 % | 80.6 % | 78.6 % |
| Gearing | |||||
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 8.9 | 8.6 | 6.4 | 5.2 | 4.7 |
| Current ratio | 8.9 | 8.6 | 6.4 | 5.2 | 4.7 |
| Cash and cash equivalents | 104.00 | 89.00 | 75.00 | 56.00 | 37.96 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | BBB | BBB | BBB | BBB | BBB |
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