Cardlay Holding ApS — Credit Rating and Financial Key Figures
Credit rating
Company information
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 financialsGross profit (kDKK)
EBIT (kDKK)
Profitability
Solidity
Key figures (kDKK)
See financials2020 | 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 total | 46 464.14 | 58 568.54 | 45 238.87 | 37 524.30 | 42 718.83 |
Balance sheet total (assets) | 60 243.52 | 87 252.56 | 75 476.05 | 74 942.58 | 82 278.55 |
Net debt | 2 811.27 | -12 595.39 | -4 245.43 | 5 853.06 | - 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 ratio | 77.1 % | 67.1 % | 59.9 % | 50.1 % | 51.9 % |
Gearing | 6.1 % | 4.7 % | 7.5 % | 25.0 % | 21.9 % |
Relative net indebtedness % | |||||
Liquidity | |||||
Quick ratio | 1.0 | 4.1 | 2.2 | 1.9 | 3.5 |
Current ratio | 1.0 | 4.1 | 2.2 | 1.9 | 3.5 |
Cash and cash equivalents | 15 357.47 | 7 626.25 | 3 517.74 | 10 315.00 | |
Capital use efficiency | |||||
Trade debtors turnover (days) | |||||
Net working capital % | |||||
Credit risk | |||||
Credit rating | BBB | BBB | BBB | BBB | BBB |
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