LENDINO A/S - CVR: 35654135

2022, DKK

26.05.2023

Bruttoresultat

1.795'

Primær drift

-1.626'

Årets resultat

-1.834'

Aktiver

17.719'

Kortfristede aktiver

17.468'

Egenkapital

729'

Afkastningsgrad

-9 %

Soliditetsgrad

4 %

Likviditetsgrad

113 %

Resultat

26.05.2023

Årsrapport	2022 26.05.2023	2021 09.05.2022	2020 16.04.2021	2019 01.04.2020	2018 10.06.2019	2017 04.05.2018	2016 16.05.2017	2015 01.06.2016
Nettoomsætning
Bruttoresultat	1.795.335	2.447.021	1.857.867	759.056	1.530.008	904.389	-850.740	-1.121.170
Resultat af primær drift	-1.625.971	-1.608.745	-1.968.690	-2.591.942	-1.068.088	-1.047.966	-2.136.052	-2.287.353
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0	0	0
Finansielle indtægter	12.937	27.641	71.487	104.282	998	2.334	5.082	12.159
Finansieringsomkostninger	-283.272	-359.602	-202.909	-126.321	-6.231	-3.732	-7.741	-1.023.895
Andre finansielle omkostninger	0	0	0	0	0	0	0	0
Resultat før skat	-1.896.306	-1.940.706	-2.100.112	-2.613.981	-1.073.321	-1.049.364	-2.138.711	-3.299.089
Resultat	-1.834.346	-1.940.775	-2.028.107	-2.372.603	-864.314	-879.121	-2.138.711	-3.299.089
Forslag til udbytte	0	0	0	0	0	0	0	0

Aktiver

26.05.2023

Årsrapport	2022 26.05.2023	2021 09.05.2022	2020 16.04.2021	2019 01.04.2020	2018 10.06.2019	2017 04.05.2018	2016 16.05.2017	2015 01.06.2016
Kortfristede varebeholdninger	0	0	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	564.854	540.663	1.380.384	1.503.773	755.658	864.306	718.732	329.729
Likvider	16.902.978	17.141.922	18.723.029	17.619.020	12.488.820	8.936.308	4.358.488	6.068.206
Kortfristede aktiver	17.467.832	17.682.585	20.103.413	19.122.793	13.244.478	9.800.614	5.077.220	6.397.935
Immaterielle aktiver og goodwill	0	0	0	0	0	0	0	0
Finansielle anlægsaktiver	251.634	272.401	613.259	1.217.656	0	0	0	0
Materielle aktiver	0	0	0	0	0	0	0	0
Langfristede aktiver	251.634	272.401	613.259	1.217.656	0	0	0	0
Aktiver	17.719.466	17.954.986	20.716.672	20.340.449	13.244.478	9.800.614	5.077.220	6.397.935

Aktiver

26.05.2023

Passiver

26.05.2023

Årsrapport	2022 26.05.2023	2021 09.05.2022	2020 16.04.2021	2019 01.04.2020	2018 10.06.2019	2017 04.05.2018	2016 16.05.2017	2015 01.06.2016
Forslag til udbytte	0	0	0	0	0	0	0	0
Egenkapital	728.760	2.113.812	347.518	2.374.498	2.023.594	1.812.584	191.771	2.330.482
Hensatte forpligtelser	0	0	0	0	0	0	0	0
Langfristet gæld til banker	0	0	0	0	0	0	0	0
Anden langfristet gæld	0	0	260.453	83.780	0	0	0	0
Leverandører af varer og tjenesteydelser	48.518	85.534	137.376	364.683	79.595	37.219	412.287	197.542
Kortfristede forpligtelser	15.472.320	14.249.706	19.542.494	16.432.807	9.920.884	7.988.030	4.885.449	4.067.453
Gældsforpligtelser	16.990.706	15.841.174	20.369.154	17.965.951	11.220.884	7.988.030	4.885.449	4.067.453
Forpligtelser	16.990.706	15.841.174	20.369.154	17.965.951	11.220.884	7.988.030	4.885.449	4.067.453
Passiver	17.719.466	17.954.986	20.716.672	20.340.449	13.244.478	9.800.614	5.077.220	6.397.935

Passiver

26.05.2023

Nøgletal

26.05.2023

Årsrapport	2022 26.05.2023	2021 09.05.2022	2020 16.04.2021	2019 01.04.2020	2018 10.06.2019	2017 04.05.2018	2016 16.05.2017	2015 01.06.2016
Afkastningsgrad	-9,2 %	-9,0 %	-9,5 %	-12,7 %	-8,1 %	-10,7 %	-42,1 %	-35,8 %
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	-251,7 %	-91,8 %	-583,6 %	-99,9 %	-42,7 %	-48,5 %	-1.115,2 %	-141,6 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	-574,0 %	-447,4 %	-970,2 %	-2.051,9 %	-17.141,5 %	-28.080,5 %	-27.594,0 %	-223,4 %
Soliditestgrad	4,1 %	11,8 %	1,7 %	11,7 %	15,3 %	18,5 %	3,8 %	36,4 %
Likviditetsgrad	112,9 %	124,1 %	102,9 %	116,4 %	133,5 %	122,7 %	103,9 %	157,3 %

Resultat

26.05.2023

Gæld

26.05.2023

Årsrapport

26.05.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 26.05.2023)

Information om virksomhedens regnskabsklasse:The annual report for Lendino A/S has been presented in accordance with the Danish Financial Statements Act regulations concerning reporting class B enterprises. Furthermore, the company has decided to comply with certain rules applying to reporting class C enterprises. The accounting policies are unchanged from last year, and the annual report is presented in DKK.

Oplysning om pantsætninger og sikkerhedsstillelser:5. Charges and security For loans in Vækstfonden (Other mortgage loans), t.DKK 1.518 the company has provided security in company assets representing a nominal value of t.DKK 1.400 per 31. December 2022. This security comprises the assets below, stating the carrying amounts: DKK in thousands Trade receivables 484

Beretning

26.05.2023

Dato for ledelsens godkendelse af årsrapporten:2023-04-26

Statement by Management on the annual report

Identifikation af den godkendte årsrapport:Today, the Board of Directors and the Executive Board have approved the annual report of Lendino A/S for the financial year 1 January - 31 December 2022.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter:Description of key activities of the company Lendino has two main activities: lendino. dk. Using our crowdlending platform on lendino. dk, we facilitate loans to small companies and private individuals in Denmark from our crowd of private and professional investors. Lendino primarily offers investments in loans secured by collateral in property and a secondary market to trade loan shares. The platform also allows “network loans” where organisations use the platform’s legal setup and payment infrastructure to borrow money exclusively from within their own network. The network feature is also used by “originators”: that is, organisations that repeatedly send loan projects to the platform and make them available to their own crowd as network loans. Smallbrooks. Our IT solution, Smallbrooks, makes it fast, easy and affordable for organisations to get their own crowdfunding platform. The IT solution is offered internationally, but so far we only have customers in Denmark. Within the Danish borders we also offer a combined solution where the platform is administered under Lendino’s payment service licence with the Danish FSA. More recently, we have added the “originator” feature which allows a single crowdfunding platform to be composed of many small “sub-platforms'' that are administered individually by other organisations. Using this feature, we administer two different platforms: one for the Danish municipalities (Crowdfunding Danmark) and one for other organisations (CrowdfundingHub).