Cardlay Holding ApS — Credit Rating and Financial Key Figures

CVR number: 37447153
Billedskærervej 17, 5230 Odense M
hello@cardlay.com
tel: 70200115
www.cardlay.com

Credit rating

Company information

Official name
Cardlay Holding ApS
Established
2016
Company form
Private limited company
Industry

About Cardlay Holding ApS

Cardlay Holding ApS (CVR number: 37447153) is a company from ODENSE. The company recorded a gross profit of -40 kDKK in 2024. The operating profit was -40 kDKK, while net earnings were -13.5 mDKK. The profitability of the company measured by Return on Assets (ROA) was -14.4 %, which can be considered poor and Return on Equity (ROE) was -33.5 %, which can be considered poor. The equity ratio, a key indicator for solidity, stood at 51.9 %, a level that can be considered to be modest. This means a balanced mix of debt and equity financing its assets—a typical operational level for many companies. Cardlay Holding ApS's liquidity measured by quick ratio was 3.5 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 financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2020
2021
2022
2023
2024
Volume
Net sales
Gross profit-27.40-71.62-37.53- 530.11-39.98
EBIT-27.40-71.62-37.53- 530.11-39.98
Net earnings-20 901.08-23 585.54-50 829.50-19 932.17-13 453.80
Shareholders equity total46 464.1458 568.5445 238.8737 524.3042 718.83
Balance sheet total (assets)60 243.5287 252.5675 476.0574 942.5882 278.55
Net debt2 811.27-12 595.39-4 245.435 853.06- 944.20
Profitability
EBIT-%
ROA-31.6 %-30.7 %-60.9 %-24.0 %-14.4 %
ROE-36.8 %-44.9 %-97.9 %-48.2 %-33.5 %
ROI-33.2 %-32.6 %-75.7 %-37.8 %-22.8 %
Economic value added (EVA)-3 407.01-2 547.71-3 119.39-2 973.25-2 396.46
Solvency
Equity ratio77.1 %67.1 %59.9 %50.1 %51.9 %
Gearing6.1 %4.7 %7.5 %25.0 %21.9 %
Relative net indebtedness %
Liquidity
Quick ratio1.04.12.21.93.5
Current ratio1.04.12.21.93.5
Cash and cash equivalents15 357.477 626.253 517.7410 315.00
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingBBBBBBBBBBBBBBB

Variable visualization

ROA:-14.4%
Rating: 6/100
-20%
0%
4%
11%
24%
60%
Graph showing the distribution of the variable
Equity ratio:51.9%
Rating: 41/100
-1%
21%
50%
81%
99%
100%
Graph showing the distribution of the variable

Roles

Board member
Chairman of the board

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