CLEARHAUS A/S - CVR: 33749996

2023, EUR

28.06.2024

Bruttoresultat

7.951'

Primær drift

3.545'

Årets resultat

3.628'

Aktiver

116''

Kortfristede aktiver

108''

Egenkapital

13.050'

Afkastningsgrad

3 %

Soliditetsgrad

11 %

Likviditetsgrad

106 %

Resultat

28.06.2024

Årsrapport	2023 28.06.2024	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018	2016 07.04.2017	2015 17.05.2016
Nettoomsætning	47.470.755	52.626.308	100.878.890
Bruttoresultat	7.951.338	11.203.179	20.441.119	0	0	0	0	0	0
Bruttoresultat	7.951.338	11.203.179	20.441.119	10.424.980	3.359.686	3.107.933	3.886.701	1.587.378	-697.575
Resultat af primær drift	3.544.977	-4.476.924	13.441.411	0	667.938	332.243	2.258.021	472.502	-1.007.036
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0	0	0	0
Finansielle indtægter	1.712.053	658.632	888.586	68.456	68.059	683.868	792.712	136.364	79.397
Finansieringsomkostninger	-289.426	-415.635	-248.735	-174.680	-524.727	-706.336	-1.135.348	-120.096	-56.394
Andre finansielle omkostninger	0	0	0	0	0	0	0	0	0
Resultat før skat	4.967.604	-4.233.927	14.084.239	7.084.422	93.472	253.385	1.982.003	630.733	-79.230
Resultat	3.627.603	-3.295.190	10.996.694	5.539.284	-22.909	197.620	1.538.129	491.200	-62.223
Forslag til udbytte	-3.627.603	0	0	0	0	0	0	0	0

Aktiver

28.06.2024

Årsrapport	2023 28.06.2024	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018	2016 07.04.2017	2015 17.05.2016
Kortfristede varebeholdninger	0	0	0	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	32.368.508	20.296.277	33.469.533	2.629.091	1.756.287	1.393.544	473.067	388.846	357.677
Likvider	75.876.029	49.046.861	75.186.229	64.064.728	20.691.473	18.694.824	23.116.283	4.830.897	2.235.745
Kortfristede aktiver	108.244.537	69.343.138	108.655.762	66.693.819	22.447.760	20.088.368	23.589.350	5.219.743	4.123.361
Immaterielle aktiver og goodwill	3.534.009	2.910.733	2.629.782	2.291.270	1.877.295	1.505.142	1.194.194	1.078.050	896.900
Finansielle anlægsaktiver	3.981.175	3.789.999	3.191.151	2.943.803	2.964.259	2.771.310	4.390.980	2.384.584	222.119
Materielle aktiver	223.664	404.494	102.765	219.015	64.416	48.537	16.309	13.685	10.080
Langfristede aktiver	7.738.848	7.105.697	5.923.698	5.454.088	4.905.970	4.324.989	5.601.483	3.476.319	1.129.099
Aktiver	115.983.385	76.448.364	114.579.460	72.147.907	27.353.730	24.413.357	29.190.833	8.696.062	5.252.460

Aktiver

28.06.2024

Passiver

28.06.2024

Årsrapport	2023 28.06.2024	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018	2016 07.04.2017	2015 17.05.2016
Forslag til udbytte	3.627.603	0	0	0	0	0	0	0	0
Egenkapital	13.050.024	9.422.421	12.717.612	7.991.260	4.599.627	4.622.537	4.424.917	2.886.787	2.395.587
Hensatte forpligtelser	1.110.032	9.363.095	529.574	441.113	368.652	258.581	0	0	0
Langfristet gæld til banker	0	0	0	0	0	0	0	0	0
Anden langfristet gæld		65.961	0	257.133	79.595	0	0	0	377.960
Leverandører af varer og tjenesteydelser	2.833.822	2.146.592	3.135.913	2.137.190	1.160.598	1.101.243	560.104	347.854	180.089
Kortfristede forpligtelser	101.764.401	0	0	0	22.305.856	19.532.239	24.546.166	5.809.275	2.478.913
Gældsforpligtelser	101.823.329	0	0	0	22.385.451	19.532.239	24.546.166	5.809.275	2.856.873
Forpligtelser	101.823.329	0	0	0	22.385.451	19.532.239	24.546.166	5.809.275	2.856.873
Passiver	115.983.385	76.448.364	114.579.460	72.147.907	27.353.730	24.413.357	29.190.833	8.696.062	5.252.460

Passiver

28.06.2024

Nøgletal

28.06.2024

Årsrapport	2023 28.06.2024	2022 28.06.2023	2021 17.05.2022	2020 15.07.2021	2019 02.09.2020	2018 06.06.2019	2017 23.04.2018	2016 07.04.2017	2015 17.05.2016
Afkastningsgrad	3,1 %	-5,9 %	11,7 %	Na.	2,4 %	1,4 %	7,7 %	5,4 %	-19,2 %
Dækningsgrad	16,7 %	21,3 %	20,3 %	Na.	Na.	Na.	Na.	Na.	Na.
Resultatgrad	7,6 %	-6,3 %	10,9 %	Na.	Na.	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	27,8 %	-35,0 %	86,5 %	69,3 %	-0,5 %	4,3 %	34,8 %	17,0 %	-2,6 %
Payout-ratio	100,0 %	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	1.224,8 %	-1.077,1 %	5.403,9 %	Na.	127,3 %	47,0 %	198,9 %	393,4 %	-1.785,7 %
Soliditestgrad	11,3 %	12,3 %	11,1 %	11,1 %	16,8 %	18,9 %	15,2 %	33,2 %	45,6 %
Likviditetsgrad	106,4 %	Na.	Na.	Na.	100,6 %	102,8 %	96,1 %	89,9 %	166,3 %

Resultat

28.06.2024

Gæld

28.06.2024

Årsrapport

28.06.2024

Nyeste:01.01.2023- 31.12.2023(offentliggjort: 28.06.2024)

Oplysning om pantsætninger og sikkerhedsstillelser:Disclosure of mortgages and collateralsClearhaus has deposited EUR 3,068,717 at dedicated accounts atVISA and Mastercard as a collateral for any risk VISA andMastercard may have.Except from the above, the company does not have any otherpawning or guarantees other than what is already recognized inthe financial statement.

Oplysning om eventualaktiver:Disclosure of contingent assetsCONTINGENT LIABILITIESFrom time to time, the Group is party to legal disputes. lnrespect of pending disputes, it is Management's opinion that theoutcome of these disputes will not affect the Group's financialposition apart from the receivables and liabilities recognised inthe statement of financial position at 31 December 2023. JOINT LIABILITYThe Danish companies of the group is jointly and severally liablefor tax on the group’s jointly taxed income and for certainpossible withholding taxes such as dividend tax and royalty tax,and for the joint registration of VAT. Tax payable of the group’s jointly taxed income amounts to DKK(‘000) 1,962 at the Balance Sheet date.

Beretning

28.06.2024

Dato for ledelsens godkendelse af årsrapporten:2024-06-26

Ledelsespåtegning:Statement by management

Beskrivelse af usædvanlige forhold, der kan have påvirket indregningen eller målingen:Unusual mattersDuring the year of 2023, Clearhaus A/S has continued to be subject to some changes related to thechange in ownership in 2021. The business has spent a significant amount of time and resources tocontinue integrating into the new group structure.

Statement by Management on the annual report

Identifikation af den godkendte årsrapport:Today the Board of Directors and Executive Board have discussed and approvedthe Annual Report of Clearhaus A/S for the financial year 1 January - 31 December2023

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. Furthermore, Clearhaus A/S is principalmembers of the Card schemes VISA and Mastercard. Risks derived from activities and Risk ManagementThe definition of operational risk is “the risk of direct or indirect loss resulting from inadequate or failedinternal processes, people and systems or from external events. Clearhaus A/S continuously identifies and evaluates potential risks in order to take measures to limit therisk of unforeseen events that may have a negative impact on the business. Based on the nature of itsbusiness, Clearhaus is mainly exposed to operational and financial risks, such as chargeback risk basedon fraudulent transactions. Clearhaus A/S has a wide range of policies and procedures in order toregulate the risks within the company’s appetite. These policies are regularly updated based ondevelopment and experience in the business and industry in general. As part of its integration within the Unzer Group, Clearhaus A/S is in the process of aligning itsoperational risk management framework with the rest of the group. The purpose of the framework is tomaintain effective risk identification, risk assessment, risk mitigation and monitoring. Internal controlsare embedded in Clearhaus’ day to day business and are designed to ensure, as far as possible, thatactivities are efficient and effective, information is reliable and complete, and the company complies withapplicable laws and regulations. The primary operational risks derived from the business model are fraud risk and credit risk in relationto merchants. Prior losses on chargebacks related to bankrupt merchants have demonstrated thatsubstantial time gap between settlement and delivery can cause Clearhaus to be exposed to credit riskas recourse claims are not always recoverable. This led to adjustments to the company’s businesspolicies and enhanced focus of the risk function on specific industries to limit and monitor the exposuretowards similar merchants.