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SEN FINANS A/S — Credit Rating and Financial Key Figures
Credit rating
Company information
About SEN FINANS A/S
SEN FINANS A/S (CVR number: 19516598) is a company from IKAST-BRANDE. The company recorded a gross profit of -238.5 kDKK in 2025. The operating profit was -598.6 kDKK, while net earnings were 1418.1 kDKK. The profitability of the company measured by Return on Assets (ROA) was 3.8 %, which can be considered weak and Return on Equity (ROE) was 3 %, which can be considered weak. The equity ratio, a key indicator for solidity, stood at 96.9 %, a level that can be considered to be very good, which means that the majority of assets are financed by equity. SEN FINANS A/S's liquidity measured by quick ratio was 32.7 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 | - 419.93 | 1 014.51 | - 198.90 | - 190.72 | - 238.55 |
| EBIT | -1 052.04 | 405.05 | - 807.64 | - 714.07 | - 598.61 |
| Net earnings | 4 941.72 | - 382.36 | 3 788.85 | 1 336.96 | 1 418.12 |
| Shareholders equity total | 44 985.48 | 44 490.12 | 47 278.97 | 47 615.93 | 48 026.85 |
| Balance sheet total (assets) | 45 571.08 | 44 749.05 | 49 084.59 | 49 105.89 | 49 563.60 |
| Net debt | -40 623.07 | -38 775.53 | -42 670.65 | -42 801.53 | -43 484.78 |
| Profitability | |||||
| EBIT-% | |||||
| ROA | 12.2 % | 2.9 % | 10.5 % | 3.5 % | 3.8 % |
| ROE | 11.6 % | -0.9 % | 8.3 % | 2.8 % | 3.0 % |
| ROI | 12.3 % | 2.9 % | 10.6 % | 3.6 % | 3.9 % |
| Economic value added (EVA) | -3 056.26 | -1 989.25 | -2 868.12 | -2 974.28 | -2 902.13 |
| Solvency | |||||
| Equity ratio | 98.7 % | 99.4 % | 96.3 % | 97.0 % | 96.9 % |
| Gearing | 0.3 % | 0.4 % | 1.8 % | 2.0 % | 2.0 % |
| Relative net indebtedness % | |||||
| Liquidity | |||||
| Quick ratio | 94.0 | 160.3 | 26.3 | 33.1 | 32.7 |
| Current ratio | 95.1 | 162.3 | 26.6 | 33.5 | 33.2 |
| Cash and cash equivalents | 40 773.79 | 38 942.28 | 43 520.15 | 43 772.00 | 44 439.19 |
| Capital use efficiency | |||||
| Trade debtors turnover (days) | |||||
| Net working capital % | |||||
| Credit risk | |||||
| Credit rating | AA | AA | AA | AAA | AA |
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