INSURANCE BUSINESS APPLICATIONS A/S - Group

 

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Analyst: XBRLDenmark
 
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Bankruptcy Risk 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
Bankruptcy risk for industry  1.5% 1.5% 1.5% 1.5% 1.5%  
Bankruptcy risk  10.2% 7.0% 8.9% 4.3% 4.3%  
Credit score (0-100)  24 33 27 47 48  
Credit rating  BB BBB BB BBB BBB  
Credit limit (kEUR)  0.0 0.0 0.0 0.0 0.0  

How are these values calculated?
 
View the automatically generated explanation of bankruptcy risk

Income statement (kEUR) 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12

Net sales  0 0 0 0 0  
Gross profit  3,407 1,452 4,226 6,384 7,187  
EBITDA  -968 -3,736 -2,803 11.5 321  
EBIT  -1,928 -4,891 -4,257 -1,723 -1,529  
Pre-tax profit (PTP)  -2,492.1 -5,215.4 -4,417.2 -1,809.8 -1,560.7  
Net earnings  -2,237.8 -4,920.4 -4,079.0 -1,573.4 -1,389.1  
Pre-tax profit without non-rec. items  -2,492 -5,215 -4,417 -1,810 -1,561  

 
See the entire income statement

Balance sheet (kEUR) 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12

Tangible assets total  191 135 80.7 33.8 45.2  
Shareholders equity total  -272 3,714 1,394 5,076 6,993  
Interest-bearing liabilities  5,206 2,606 2,590 1,221 982  
Balance sheet total (assets)  7,084 8,081 5,758 8,379 9,920  

Net Debt  3,277 -123 2,256 -141 -2,249  
 
See the entire balance sheet

Volume 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12

Net sales  0 0 0 0 0  
Net sales growth  0.0% 0.0% 0.0% 0.0% 0.0%  
Gross profit  3,407 1,452 4,226 6,384 7,187  
Gross profit growth  148.3% -57.4% 191.0% 51.1% 12.6%  
Employees  59 64 60 54 52  
Employee growth %  -7.8% 8.5% -6.3% -10.0% -3.7%  
Employee expenses  0.0 0.0 0.0 0.0 0.0  
Balance sheet total (assets)  7,084 8,081 5,758 8,379 9,920  
Balance sheet change%  18.7% 14.1% -28.8% 45.5% 18.4%  
Added value  -967.8 -3,736.0 -2,802.9 -268.5 321.2  
Added value %  0.0% 0.0% 0.0% 0.0% 0.0%  
Investments  -683 -692 -783 -1,501 -1,234  

Net sales trend  0.0 0.0 0.0 0.0 0.0  
EBIT trend  -3.0 -4.0 -5.0 -5.0 -5.0  

Profitability 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
EBITDA %  0.0% 0.0% 0.0% 0.0% 0.0%  
EBIT %  0.0% 0.0% 0.0% 0.0% 0.0%  
EBIT to gross profit (%)  -56.6% -336.8% -100.7% -27.0% -21.3%  
Net Earnings %  0.0% 0.0% 0.0% 0.0% 0.0%  
Profit before depreciation and extraordinary items %  0.0% 0.0% 0.0% 0.0% 0.0%  
Pre tax profit less extraordinaries %  0.0% 0.0% 0.0% 0.0% 0.0%  
ROA %  -25.6% -59.8% -59.2% -23.1% -15.5%  
ROI %  -38.1% -80.1% -79.4% -31.8% -19.9%  
ROE %  -34.3% -91.1% -159.7% -48.6% -23.0%  

Solidity 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
Equity ratio %  -3.7% 46.0% 24.5% 60.6% 70.5%  
Relative indebtedness %  0.0% 0.0% 0.0% 0.0% 0.0%  
Relative net indebtedness %  0.0% 0.0% 0.0% 0.0% 0.0%  
Net int. bear. debt to EBITDA, %  -338.6% 3.3% -80.5% -1,228.9% -700.1%  
Gearing %  -1,915.4% 70.2% 185.8% 24.1% 14.0%  
Net interest  0 0 0 0 0  
Financing costs %  11.4% 15.3% 12.5% 9.1% 12.8%  

Liquidity 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
Quick Ratio  2.0 3.3 0.8 1.7 2.5  
Current Ratio  2.0 3.3 0.7 1.7 2.5  
Cash and cash equivalent  1,928.9 2,729.1 334.0 1,362.3 3,230.8  

Capital use efficiency 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
Trade debtors turnover (days)  0.0 0.0 0.0 0.0 0.0  
Trade creditors turnover (days)  0.0 0.0 0.0 0.0 0.0  
Current assets / Net sales %  0.0% 0.0% 0.0% 0.0% 0.0%  
Net working capital  1,816.3 2,869.5 -400.5 1,432.1 2,663.0  
Net working capital %  0.0% 0.0% 0.0% 0.0% 0.0%  

Employee efficiency 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/12
Net sales / employee  0 0 0 0 0  
Added value / employee  -16 -58 -47 -5 6  
Employee expenses / employee  0 0 0 0 0  
EBITDA / employee  -16 -58 -47 0 6  
EBIT / employee  -33 -76 -71 -32 -29  
Net earnings / employee  -38 -77 -68 -29 -27