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IMAGE-FINANS ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
About IMAGE-FINANS ApS
IMAGE-FINANS ApS (CVR number: 71348210) is a company from AARHUS. The company recorded a gross profit of 322.4 kDKK in 2025. The operating profit was -144.1 kDKK, while net earnings were 714.6 kDKK. The profitability of the company measured by Return on Assets (ROA) was 7.3 %, which can be considered decent and Return on Equity (ROE) was 7.2 %, which can be considered decent. The equity ratio, a key indicator for solidity, stood at 64.9 %, 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. IMAGE-FINANS ApS's liquidity measured by quick ratio was 0.5 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 | 638.21 | 620.85 | 583.68 | 45.07 | 322.40 |
| EBIT | 248.13 | 183.66 | 148.84 | - 416.16 | - 144.15 |
| Net earnings | 5 166.13 | -1 626.21 | 1 284.38 | 1 337.09 | 714.64 |
| Shareholders equity total | 9 015.40 | 7 279.19 | 8 447.07 | 9 663.66 | 10 253.80 |
| Balance sheet total (assets) | 16 499.34 | 14 271.82 | 15 613.78 | 15 224.32 | 15 798.66 |
| Net debt | 2 379.10 | 3 131.05 | 3 322.20 | 3 777.39 | 3 851.39 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | 17.5 % | 18.6 % | 0.6 % | -6.7 % | 7.3 % |
| ROE | 80.3 % | -20.0 % | 16.3 % | 14.8 % | 7.2 % |
| ROI | 47.7 % | -9.7 % | 12.5 % | 11.2 % | 8.0 % |
| Economic value added (EVA) | - 285.86 | - 608.22 | - 470.55 | -1 064.89 | - 812.20 |
| Solvency | |||||
| Equity ratio | 54.6 % | 51.0 % | 54.1 % | 63.5 % | 64.9 % |
| Gearing | 53.4 % | 63.1 % | 51.8 % | 43.7 % | 40.1 % |
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 10.3 | 10.3 | 3.9 | 7.3 | 0.5 |
| Current ratio | 10.3 | 10.3 | 3.9 | 7.3 | 0.5 |
| Cash and cash equivalents | 2 436.21 | 1 459.26 | 1 053.65 | 440.98 | 258.55 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | A | BBB | BBB | BBB | A |
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