BPI Finans ApS

 

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Analyst: XBRLDenmark
 
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Bankruptcy Risk 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
Bankruptcy risk for industry  1.5% 1.5% 1.5% 1.5% 1.5%  
Bankruptcy risk  0.9% 1.4% 0.8% 1.0% 1.0%  
Credit score (0-100)  91 79 92 85 86  
Credit rating  A A AA A A  
Credit limit (kDKK)  3,801.3 302.6 5,210.1 4,533.3 5,065.8  

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

Income statement (kDKK) 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12

Net sales  0 0 0 0 0  
Gross profit  0.0 0.0 0.0 0.0 0.0  
EBITDA  -28.0 -31.0 -36.0 -40.0 -25.0  
EBIT  -28.0 -31.0 -36.0 -40.0 -25.0  
Pre-tax profit (PTP)  6,636.0 -1,692.0 10,025.0 21,965.0 13,793.0  
Net earnings  6,432.0 -1,888.0 9,616.0 21,869.0 13,817.0  
Pre-tax profit without non-rec. items  6,636 -1,692 10,025 21,965 13,793  

 
See the entire income statement

Balance sheet (kDKK) 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12

Tangible assets total  0.0 0.0 0.0 0.0 0.0  
Shareholders equity total  50,183 52,215 59,370 80,612 90,909  
Interest-bearing liabilities  26,203 26,548 27,083 0.0 646  
Balance sheet total (assets)  76,615 79,380 87,483 85,911 91,580  

Net Debt  25,723 26,322 23,822 -1,605 646  
 
See the entire balance sheet

Volume 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12

Net sales  0 0 0 0 0  
Net sales growth  0.0% 0.0% 0.0% 0.0% 0.0%  
Gross profit  0.0 0.0 0.0 0.0 0.0  
Gross profit growth  0.0% 0.0% 0.0% 0.0% 0.0%  
Employees  0 0 0 0 0  
Employee growth %  0.0% 0.0% 0.0% 0.0% 0.0%  
Employee expenses  0.0 0.0 0.0 0.0 0.0  
Balance sheet total (assets)  76,615 79,380 87,483 85,911 91,580  
Balance sheet change%  8.9% 3.6% 10.2% -1.8% 6.6%  
Added value  -28.0 -31.0 -36.0 -40.0 -25.0  
Added value %  0.0% 0.0% 0.0% 0.0% 0.0%  
Investments  0 0 0 0 0  

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 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
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 (%)  0.0% 0.0% 0.0% 0.0% 0.0%  
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 %  9.7% -1.5% 12.7% 25.6% 15.6%  
ROI %  9.8% -1.5% 12.8% 26.6% 16.0%  
ROE %  13.6% -3.7% 17.2% 31.2% 16.1%  

Solidity 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
Equity ratio %  65.5% 65.8% 67.9% 93.8% 99.3%  
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, %  -91,867.9% -84,909.7% -66,172.2% 4,012.5% -2,584.0%  
Gearing %  52.2% 50.8% 45.6% 0.0% 0.7%  
Net interest  0 0 0 0 0  
Financing costs %  2.0% 2.1% 2.0% 1.6% 5.0%  

Liquidity 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
Quick Ratio  2.1 0.5 3.2 1.1 0.0  
Current Ratio  2.1 0.5 3.2 1.1 0.0  
Cash and cash equivalent  480.0 226.0 3,261.0 1,605.0 0.0  

Capital use efficiency 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
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  251.0 -195.0 2,231.0 463.0 -662.0  
Net working capital %  0.0% 0.0% 0.0% 0.0% 0.0%  

Employee efficiency 
2018
2018/12
2019
2019/12
2020
2020/12
2021
2021/12
2022
2022/12
Net sales / employee  0 0 0 0 0  
Added value / employee  0 0 0 0 0  
Employee expenses / employee  0 0 0 0 0  
EBITDA / employee  0 0 0 0 0  
EBIT / employee  0 0 0 0 0  
Net earnings / employee  0 0 0 0 0