Howden HD Forsikringsagentur ApS

 

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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
2024/9
Bankruptcy risk for industry  0.8% 0.8% 0.8% 0.8% 0.8%  
Bankruptcy risk  1.1% 1.9% 2.4% 1.0% 3.1%  
Credit score (0-100)  84 68 63 84 57  
Credit rating  A A BBB A BBB  
Credit limit (kDKK)  126.5 0.5 0.0 213.7 0.0  

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

Income statement (kDKK) 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9

Net sales  0 0 0 0 0  
Gross profit  3,228 2,461 2,613 2,606 662  
EBITDA  591 -5.0 562 1,249 -383  
EBIT  526 -83.0 499 1,249 -383  
Pre-tax profit (PTP)  511.6 -107.0 476.0 1,252.0 -326.0  
Net earnings  396.0 -83.0 371.0 946.0 -256.0  
Pre-tax profit without non-rec. items  512 -107 476 1,252 -326  

 
See the entire income statement

Balance sheet (kDKK) 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9

Tangible assets total  216 254 0.0 0.0 0.0  
Shareholders equity total  1,381 1,378 1,749 2,695 2,439  
Interest-bearing liabilities  17.0 12.0 0.0 0.0 0.0  
Balance sheet total (assets)  2,876 2,314 2,400 3,495 4,352  

Net Debt  -2,194 -1,756 -2,134 -1,046 -2,701  
 
See the entire balance sheet

Volume 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9

Net sales  0 0 0 0 0  
Net sales growth  0.0% 0.0% 0.0% 0.0% 0.0%  
Gross profit  3,228 2,461 2,613 2,606 662  
Gross profit growth  8.5% -23.8% 6.2% -0.3% -74.6%  
Employees  4 4 3 2 2  
Employee growth %  33.3% 0.0% -25.0% -33.3% 0.0%  
Employee expenses  0.0 0.0 0.0 0.0 0.0  
Balance sheet total (assets)  2,876 2,314 2,400 3,495 4,352  
Balance sheet change%  12.5% -19.5% 3.7% 45.6% 24.5%  
Added value  590.5 -5.0 562.0 1,312.0 -383.0  
Added value %  0.0% 0.0% 0.0% 0.0% 0.0%  
Investments  -129 -40 -317 0 0  

Net sales trend  0.0 0.0 0.0 0.0 0.0  
EBIT trend  5.0 -1.0 1.0 2.0 -1.0  

Profitability 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9
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 (%)  16.3% -3.4% 19.1% 47.9% -57.9%  
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 %  20.2% -3.2% 21.2% 42.5% -8.3%  
ROI %  41.3% -5.7% 31.2% 56.4% -12.7%  
ROE %  30.3% -6.0% 23.7% 42.6% -10.0%  

Solidity 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9
Equity ratio %  48.0% 59.6% 72.9% 77.1% 56.0%  
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, %  -371.5% 35,120.0% -379.7% -83.7% 705.2%  
Gearing %  1.2% 0.9% 0.0% 0.0% 0.0%  
Net interest  0 0 0 0 0  
Financing costs %  419.4% 172.3% 400.0% 0.0% 0.0%  

Liquidity 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9
Quick Ratio  1.8 2.4 3.7 4.3 2.3  
Current Ratio  1.8 2.4 3.7 4.3 2.3  
Cash and cash equivalent  2,210.6 1,768.0 2,134.0 1,046.0 2,701.0  

Capital use efficiency 
2020
2020/12
2021
2021/12
2022
2022/12
2023
2023/12
2024
2024/9
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  1,172.5 1,187.0 1,749.0 2,648.0 2,392.0  
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
2024/9
Net sales / employee  0 0 0 0 0  
Added value / employee  148 -1 187 656 -192  
Employee expenses / employee  0 0 0 0 0  
EBITDA / employee  148 -1 187 625 -192  
EBIT / employee  131 -21 166 625 -192  
Net earnings / employee  99 -21 124 473 -128