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HOLM & BERTRAM FINANS ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About HOLM & BERTRAM FINANS ApS
HOLM & BERTRAM FINANS ApS (CVR number: 20366389) is a company from FREDENSBORG. The company recorded a gross profit of 226.4 kDKK in 2025. The operating profit was -197.5 kDKK, while net earnings were -165.9 kDKK. The profitability of the company measured by Return on Assets (ROA) was -32.7 %, which can be considered poor and Return on Equity (ROE) was -66.9 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 30 %, 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. HOLM & BERTRAM 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 financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Volume | |||||
| Net sales | |||||
| Gross profit | 305.92 | 346.52 | 487.27 | 483.32 | 226.36 |
| EBIT | -23.84 | 35.15 | 2.46 | - 111.09 | - 197.52 |
| Net earnings | -21.32 | 27.86 | 1.71 | -87.09 | - 165.87 |
| Shareholders equity total | 388.46 | 416.32 | 418.03 | 330.94 | 165.07 |
| Balance sheet total (assets) | 740.30 | 922.48 | 756.95 | 657.37 | 549.65 |
| Net debt | -32.00 | -65.61 | -52.62 | -16.18 | -6.12 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | -3.2 % | 4.2 % | 0.3 % | -15.7 % | -32.7 % |
| ROE | -5.3 % | 6.9 % | 0.4 % | -23.3 % | -66.9 % |
| ROI | -4.4 % | 6.5 % | 0.4 % | -22.1 % | -57.3 % |
| Economic value added (EVA) | -46.27 | 1.14 | -25.53 | - 114.70 | - 183.42 |
| Solvency | |||||
| Equity ratio | 52.5 % | 45.1 % | 55.2 % | 50.3 % | 30.0 % |
| Gearing | |||||
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 0.5 | 0.7 | 0.5 | 0.5 | 0.6 |
| Current ratio | 0.5 | 0.7 | 0.5 | 0.5 | 0.6 |
| Cash and cash equivalents | 32.00 | 65.61 | 52.62 | 16.18 | 6.12 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | BB | BB | BBB | BBB | BB |
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