FLEX FUNDING A/S - CVR: 25619978

2022, DKK

28.06.2023

Bruttoresultat

-4.676'

Primær drift

-13.992'

Årets resultat

-19.534'

Aktiver

43.643'

Kortfristede aktiver

1.707'

Egenkapital

3.562'

Afkastningsgrad

-32 %

Soliditetsgrad

8 %

Likviditetsgrad

8 %

Resultat

28.06.2023

Årsrapport	2022 28.06.2023	2021 08.07.2022	2020 17.06.2021	2019 24.08.2020	2018 02.05.2019	2017 24.05.2018	2016 01.05.2017	2015 24.05.2016
Nettoomsætning
Bruttoresultat	-4.675.761	-2.108.239	-961.095	-56.156	-6.571.276	-7.624.706	-1.805.730	-696.262
Resultat af primær drift	-13.991.709	-6.410.514	-6.606.119	-6.087.571	-12.565.992	-10.955.277	-6.920.086	-3.451.565
Indtægter af kapitalandele (tilknyttede og associerede)	-3.785.386	-1.313.579	-2.838.064	0	-3.275.520	0	0	0
Finansielle indtægter	1.315.438	401.537	299.120	979.894	445.806	196.934	348.570	94.772
Finansieringsomkostninger	-2.979.268	-1.524.612	-703.251	-604.174	-698.163	-266.980	-7.996	-23.715
Andre finansielle omkostninger	0	0	0	0	0	0	0	0
Resultat før skat	-19.440.925	-8.847.168	-9.848.314	-4.616.831	0	0	-8.001.916	-4.193.675
Resultat	-19.534.158	-7.265.470	-9.848.314	1.107.309	-16.093.869	-11.551.639	-8.001.916	-3.497.282
Forslag til udbytte	0	0	0	0	0	0	0	0

Aktiver

28.06.2023

Årsrapport	2022 28.06.2023	2021 08.07.2022	2020 17.06.2021	2019 24.08.2020	2018 02.05.2019	2017 24.05.2018	2016 01.05.2017	2015 24.05.2016
Kortfristede varebeholdninger	0	0	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	339.560	5.612.958	19.304	205.463	864.989	207.546	5.077.528	2.501.528
Likvider	1.367.325	1.229.520	2.912.770	4.831.151	467.650	5.612.620	237.693	11.425.250
Kortfristede aktiver	1.706.884	6.842.478	2.932.074	5.036.614	1.332.639	5.820.166	5.315.221	13.926.778
Immaterielle aktiver og goodwill	0	0	0	0	0	781.074	0	0
Finansielle anlægsaktiver	41.796.189	20.571.556	13.734.497	15.263.059	8.301.137	10.416.900	4.398.405	3.440.110
Materielle aktiver	139.564	0	18.452	41.188	48.905	0	15.733	59.187
Langfristede aktiver	41.935.753	20.571.556	13.752.949	15.304.247	8.350.042	10.416.900	4.414.138	3.499.297
Aktiver	43.642.637	27.414.034	16.685.023	20.340.861	9.682.681	16.237.066	9.729.359	17.426.075

Aktiver

28.06.2023

Passiver

28.06.2023

Årsrapport	2022 28.06.2023	2021 08.07.2022	2020 17.06.2021	2019 24.08.2020	2018 02.05.2019	2017 24.05.2018	2016 01.05.2017	2015 24.05.2016
Forslag til udbytte	0	0	0	0	0	0	0	0
Egenkapital	3.562.125	2.196.284	3.259.832	13.108.146	6.000.834	9.834.364	8.505.444	16.374.822
Hensatte forpligtelser	0	0	0	0	0	0	0	0
Langfristet gæld til banker	0	0	0	0	414.770	0	0	0
Anden langfristet gæld		0	0	0	0	0	0	0
Leverandører af varer og tjenesteydelser	1.649.847	1.248.017	53.701	268.706	897.856	672.166	632.012	624.617
Kortfristede forpligtelser	21.269.324	9.930.140	1.895.929	1.732.715	3.267.077	1.909.206	1.223.915	1.051.253
Gældsforpligtelser	40.080.512	25.217.750	13.425.191	7.232.715	3.681.847	6.402.702	1.223.915	1.051.253
Forpligtelser	40.080.512	25.217.750	13.425.191	7.232.715	3.681.847	6.402.702	1.223.915	1.051.253
Passiver	43.642.637	27.414.034	16.685.023	20.340.861	9.682.681	16.237.066	9.729.359	17.426.075

Passiver

28.06.2023

Nøgletal

28.06.2023

Årsrapport	2022 28.06.2023	2021 08.07.2022	2020 17.06.2021	2019 24.08.2020	2018 02.05.2019	2017 24.05.2018	2016 01.05.2017	2015 24.05.2016
Afkastningsgrad	-32,1 %	-23,4 %	-39,6 %	-29,9 %	-129,8 %	-67,5 %	-71,1 %	-19,8 %
Dækningsgrad	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Resultatgrad	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	-548,4 %	-330,8 %	-302,1 %	8,4 %	-268,2 %	-117,5 %	-94,1 %	-21,4 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	-469,6 %	-420,5 %	-939,4 %	-1.007,6 %	-1.799,9 %	-4.103,4 %	-86.544,3 %	-14.554,4 %
Soliditestgrad	8,2 %	8,0 %	19,5 %	64,4 %	62,0 %	60,6 %	87,4 %	94,0 %
Likviditetsgrad	8,0 %	68,9 %	154,7 %	290,7 %	40,8 %	304,8 %	434,3 %	1.324,8 %

Resultat

28.06.2023

Gæld

28.06.2023

Årsrapport

28.06.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 28.06.2023)

Information om virksomhedens regnskabsklasse:The annual report of Flex Funding A/S for 2022 has been presented in accordance with the provisions of the Danish Financial Statements Act applying to enterprises of reporting class B with the adoption of individual rules from class C.

Oplysning om pantsætninger og sikkerhedsstillelser:4. Contractual obligat ions and cont ingencies, etc. Other financial obligations Rent commitments total DKK 85 thousand (2021: DKK 85 thousand) under a rent agreement with a remaining term of 4 months. The assets of the company have been pledged to Vækstfonden as part of a loan agreement up to the amount of 10 mill. kr. (Virksomhedspant). The Company is jointly taxed with its subsidiary, Lending Lab ApS. As administration company, the Company has unlimited joint and several liability for payment of Danish corporation taxes. The jointly taxed entities' total known net liability in respect of corporation taxes payable amounted to DKK 0 on 31 December 2022. Any subsequent corrections of the income subject to joint taxation may entail that the Company's liability will increase.

Beretning

28.06.2023

Dato for ledelsens godkendelse af årsrapporten:2023-06-26

Ledelsespåtegning: Today, Management has considered and adopted the Annual Report of Flex Funding A/S for the financial year 1 January 2022 - 31 December 2022. The Annual Report is presented in accordance with the Danish Financial Statements Act. In our opinion, the Financial Statements give a true and fair view of the assets, liabilities and financial position of the Company at 31 December 2022 and of the results of the Company's operations for the financial year 1 January 2022 - 31 December 2022. Further, in our opinion, the Management's review gives a fair review of the matters discussed in the Management's review. We recommend that the Annual Report be adopted at the Annual General Meeting. Charlottenlund, 26 June 2023 Executive Board Henrik Vad CEO Supervisory Board Christian Lundgård Svend Åge Linde Henrik Vad Formand Medlem Medlem

Statement by Management on the annual report

Identifikation af den godkendte årsrapport:Today, Management has considered and adopted the Annual Report of Flex Funding A/S for the financial year 1 January 2022 - 31 December 2022.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter:Flex Funding A/S Flex Funding operates a marketplace lending platform (P2P) that allows investors to lend money directly to SMEs, without holding loans on our own balance sheet. With a market share of more than 75 percent, Flex Funding A/S has become the largest marketplace lender for SMEs in Denmark, where SME borrowers benefit from fast, flexible and competitively priced SME loans. The proprietary platform is offered in our own brand and via partnerships (white label and joint venture). The partners gain access to the Flex Funding ecosystem with all the benefits that come with a common marketplace and lending capacity from private, institutional, and public sources. Flex Funding is backed by Vækstfonden (VF) as well as the European Investment fund (EIF) directly as lenders or as guarantors. In addition, Flex Funding offers a secondary marketplace where lenders can buy and sell loan parts