CLEARHAUS A/S - CVR: 33749996

2022, EUR

28.06.2023

Bruttoresultat

11.203'

Primær drift

-4.477'

Årets resultat

-3.295'

Aktiver

76.448'

Kortfristede aktiver

69.343'

Egenkapital

9.422'

Afkastningsgrad

-6 %

Soliditetsgrad

12 %

Likviditetsgrad

0 %

Resultat

28.06.2023

Årsrapport	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018
Nettoomsætning	52.626.308	100.878.890
Bruttoresultat	11.203.179	20.441.119	0	0	0	0
Bruttoresultat	11.203.179	20.441.119	10.424.980	3.359.686	3.107.933	3.886.701
Resultat af primær drift	-4.476.924	13.441.411	0	667.938	332.243	2.258.021
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0
Finansielle indtægter	658.632	888.586	68.456	68.059	683.868	792.712
Finansieringsomkostninger	-415.635	-248.735	-174.680	-524.727	-706.336	-1.135.348
Andre finansielle omkostninger	0	0	0	0	0	0
Resultat før skat	-4.233.927	14.084.239	7.084.422	93.472	253.385	1.982.003
Resultat	-3.295.190	10.996.694	5.539.284	-22.909	197.620	1.538.129
Forslag til udbytte	0	0	0	0	0	0

Aktiver

28.06.2023

Årsrapport	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018
Kortfristede varebeholdninger	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	20.296.277	33.469.533	2.629.091	1.756.287	1.393.544	473.067
Likvider	49.046.861	75.186.229	64.064.728	20.691.473	18.694.824	23.116.283
Kortfristede aktiver	69.343.138	108.655.762	66.693.819	22.447.760	20.088.368	23.589.350
Immaterielle aktiver og goodwill	2.910.733	2.629.782	2.291.270	1.877.295	1.505.142	1.194.194
Finansielle anlægsaktiver	3.789.999	3.191.151	2.943.803	2.964.259	2.771.310	4.390.980
Materielle aktiver	404.494	102.765	219.015	64.416	48.537	16.309
Langfristede aktiver	7.105.697	5.923.698	5.454.088	4.905.970	4.324.989	5.601.483
Aktiver	76.448.364	114.579.460	72.147.907	27.353.730	24.413.357	29.190.833

Aktiver

28.06.2023

Passiver

28.06.2023

Årsrapport	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018
Forslag til udbytte	0	0	0	0	0	0
Egenkapital	9.422.421	12.717.612	7.991.260	4.599.627	4.622.537	4.424.917
Hensatte forpligtelser	9.363.095	529.574	441.113	368.652	258.581	0
Langfristet gæld til banker	0	0	0	0	0	0
Anden langfristet gæld	65.961	0	257.133	79.595	0	0
Leverandører af varer og tjenesteydelser	2.146.592	3.135.913	2.137.190	1.160.598	1.101.243	560.104
Kortfristede forpligtelser	0	0	0	22.305.856	19.532.239	24.546.166
Gældsforpligtelser	0	0	0	22.385.451	19.532.239	24.546.166
Forpligtelser	0	0	0	22.385.451	19.532.239	24.546.166
Passiver	76.448.364	114.579.460	72.147.907	27.353.730	24.413.357	29.190.833

Passiver

28.06.2023

Nøgletal

28.06.2023

Årsrapport	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018
Afkastningsgrad	-5,9 %	11,7 %	Na.	2,4 %	1,4 %	7,7 %
Dækningsgrad	21,3 %	20,3 %	Na.	Na.	Na.	Na.
Resultatgrad	-6,3 %	10,9 %	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	-35,0 %	86,5 %	69,3 %	-0,5 %	4,3 %	34,8 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	-1.077,1 %	5.403,9 %	Na.	127,3 %	47,0 %	198,9 %
Soliditestgrad	12,3 %	11,1 %	11,1 %	16,8 %	18,9 %	15,2 %
Likviditetsgrad	Na.	Na.	Na.	100,6 %	102,8 %	96,1 %

Resultat

28.06.2023

Gæld

28.06.2023

Årsrapport

28.06.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 28.06.2023)

Oplysning om pantsætninger og sikkerhedsstillelser:Disclosure of mortgages and collateralsClearhaus has deposited EUR 3,018K at dedicated accounts atVISA and Mastercard as a collateral for any risk VISA andMastercard may have.Despite from the above, the company does not have any otherpawnings or guarantees other than what is already recognized inthe financial statement.

Oplysning om eventualaktiver:Disclosure of contingent assetsFrom time to time, the company is party to legal disputes. Inrespect of pending disputes, it is Management’s opinion that theoutcome of these disputes will not a6ect the company’s financialposition apart from the receivables and liabilities recognised inthe statement of financial position at 31 December 2022. JOINT LIABILITYThe company is jointly and severally liable together with theother group companies in the joint taxable group for tax onthe group’s joint taxable income and for certain possiblewithholding taxes, such as dividend tax, etc.

Beretning

28.06.2023

Dato for ledelsens godkendelse af årsrapporten:2023-05-23

Ledelsespåtegning:Statement by managementToday the Board of Directors and Executive Board have discussed and approvedthe Annual Report of Clearhaus A/S for the financial year 1 January - 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 Company'sassets, liabilities and financial position at 31 December 2022 and of the results ofthe Company's operations and cash flows for the financial year 1 January - 31December 2022. The Management Commentary includes in our opinion a fair presentation of thematters dealt with in the Commentary. We recommend the Annual Report be approved at the Annual General Meeting.

Beskrivelse af usædvanlige forhold, der kan have påvirket indregningen eller målingen:Unusual mattersDuring the year of 2022 Clearhaus A/S has been subject to some changes related to the change inownership in 2021. The business has spent a significant amount of time and resources on preparing andintegrating into the new group structure. Additionally, the business has been subject to a bankruptcy of a larger merchant. The amount of lossincurred in regards to the bankruptcy is not yet considered final. The bankruptcy is impacting this years’EBIT with 8. 9M EUR. The number provisioned is an estimate based on current observed trends in thecase. Some degree of uncertainty lies within this estimate. Information on uncertainty with respect to recognition and measurementIn determining the amounts to be recognized as provision for losses on chargebacks, managementmakes assumptions regarding future chargebacks related to a bankrupt merchant. The assumptions made are based on experience gained and other factors that are considered prudentby Management in the circumstances, but which are inherently subject to uncertainty and volatility.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter:Main activitiesClearhaus A/S’ primary activity is to provide payment services as acquirer. Clearhaus A/S is regulatedunder the Danish FSA and holds a Payment Institution license. Also Clearhaus A/S is principal membersof the Cardschemes VISA and Mastercard. Risks derived from activities and Risk ManagementThe primary risks derived from the business model are fraud risk and credit risk in relation to merchants. Losses on chargebacks related to a bankrupt merchant in 2022 has demonstrated that substantial timegap between settlement and delivery can cause Clearhaus is exposed to credit risk as recourse claimsare not recoverable. The case has led to an enhanced focus of the risk function on the specific industry of the said merchantas well as similar industries. To limit the exposure towards similar merchants, appropriate adjustments tothe company’s business policies have been made. The purpose is to minimize credit risks derived from the business model going forward.