Subaio ApS - CVR: 37766585

2022, DKK

20.06.2023

Bruttoresultat

2.923'

Primær drift

-20.204'

Årets resultat

-19.392'

Aktiver

23.126'

Kortfristede aktiver

22.182'

Egenkapital

18.194'

Afkastningsgrad

-87 %

Soliditetsgrad

79 %

Likviditetsgrad

450 %

Resultat

20.06.2023

Årsrapport	2022 20.06.2023	2021 19.06.2022	2020 16.06.2021	2019 08.06.2020	2018 28.05.2019	2017 30.05.2018	2016 01.06.2017
Nettoomsætning
Bruttoresultat	2.923.000	3.624.000	5.030.633	842.063	-2.124.588	593.994	294.019
Resultat af primær drift	-20.204.000	-12.923.000	-4.036.043	-7.826.650	-9.199.081	-1.574.146	-274.117
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0	0
Finansielle indtægter	9.000	3.000	1.256	139	8	0	0
Finansieringsomkostninger	-71.000	-111.000	-46.488	-43.063	-18.568	0	-1.802
Andre finansielle omkostninger	0	0	0	0	0	0	0
Resultat før skat	-20.266.000	-13.031.000	-4.081.275	-7.869.574	-9.217.641	-1.574.146	-275.919
Resultat	-19.392.000	-12.432.000	-3.346.501	-7.093.621	-8.534.911	-1.243.389	-218.794
Forslag til udbytte	0	0	0	0	0	0	0

Aktiver

20.06.2023

Årsrapport	2022 20.06.2023	2021 19.06.2022	2020 16.06.2021	2019 08.06.2020	2018 28.05.2019	2017 30.05.2018	2016 01.06.2017
Kortfristede varebeholdninger	0	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	2.609.000	22.557.000	3.570.179	2.184.578	1.331.811	3.286.643	101.239
Likvider	19.573.000	2.110.000	4.381.457	6.611.538	10.927.324	169.970	914.376
Kortfristede aktiver	22.182.000	24.667.000	7.951.636	8.796.116	12.259.135	3.456.613	1.015.615
Immaterielle aktiver og goodwill	0	0	0	0	0	1.449.291	460.177
Finansielle anlægsaktiver	311.000	295.000	239.962	217.125	237.125	0	0
Materielle aktiver	633.000	591.000	318.597	417.432	567.957	88.486	37.212
Langfristede aktiver	944.000	886.000	558.559	634.557	805.082	1.537.777	497.389
Aktiver	23.126.000	25.553.000	8.510.195	9.430.673	13.064.217	4.994.390	1.513.004

Aktiver

20.06.2023

Passiver

20.06.2023

Årsrapport	2022 20.06.2023	2021 19.06.2022	2020 16.06.2021	2019 08.06.2020	2018 28.05.2019	2017 30.05.2018	2016 01.06.2017
Forslag til udbytte	0	0	0	0	0	0	0
Egenkapital	18.194.000	18.937.000	1.612.784	4.959.285	12.052.906	4.587.817	1.331.206
Hensatte forpligtelser	0	0	0	0	0	0	44.114
Langfristet gæld til banker	0	0	0	0	0	0	0
Anden langfristet gæld	0	0	0	223.362	0	0	0
Leverandører af varer og tjenesteydelser	745.000	329.000	232.614	251.485	163.067	87.268	68.611
Kortfristede forpligtelser	4.932.000	6.616.000	6.897.411	4.248.026	1.011.311	406.573	137.684
Gældsforpligtelser	4.932.000	6.616.000	6.897.411	4.471.388	1.011.311	406.573	137.684
Forpligtelser	4.932.000	6.616.000	6.897.411	4.471.388	1.011.311	406.573	137.684
Passiver	23.126.000	25.553.000	8.510.195	9.430.673	13.064.217	4.994.390	1.513.004

Passiver

20.06.2023

Nøgletal

20.06.2023

Årsrapport	2022 20.06.2023	2021 19.06.2022	2020 16.06.2021	2019 08.06.2020	2018 28.05.2019	2017 30.05.2018	2016 01.06.2017
Afkastningsgrad	-87,4 %	-50,6 %	-47,4 %	-83,0 %	-70,4 %	-31,5 %	-18,1 %
Dækningsgrad	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Resultatgrad	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	-106,6 %	-65,6 %	-207,5 %	-143,0 %	-70,8 %	-27,1 %	-16,4 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	-28.456,3 %	-11.642,3 %	-8.681,9 %	-18.174,9 %	-49.542,7 %	Na.	-15.211,8 %
Soliditestgrad	78,7 %	74,1 %	19,0 %	52,6 %	92,3 %	91,9 %	88,0 %
Likviditetsgrad	449,8 %	372,8 %	115,3 %	207,1 %	1.212,2 %	850,2 %	737,6 %

Resultat

20.06.2023

Gæld

20.06.2023

Årsrapport

20.06.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 20.06.2023)

Information om virksomhedens regnskabsklasse:The annual report for Subaio ApS 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:3. Charges and security There is not given any mortgages and securities.

Beretning

20.06.2023

Dato for ledelsens godkendelse af årsrapporten:2023-06-15

Beskrivelse af usædvanlige forhold, der kan have påvirket indregningen eller målingen:Financial summary 2022 Fiscal year 2022 featured a significant increase in turnover compared to 2021, driven by organic growth in existing customer contracts as well several new customer contracts in 2022. In 2022 several key personnel were added to enhance Subaio’s ability to achieve its goals. The average headcount increased approximately 25% from 2021 to 2022. This includes the introduction of an experienced Commercial team to deliver Subaio’s solutions to the market. Subaio reports a financial loss for 2022, which is appropriate and expected at this stage of Subaio’s development. As the Company moves into 2023 and beyond with a more mature commercial strategy and scalable approach, the expectation is to generate additional client contracts in the coming years and establish a path to profitability.

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 Subaio ApS for the financial year 1 January - 31 December 2022.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter:The principal activities of the company Since its incorporation, Subaio’s core activities have been and continue to be the development of software designed to identify and categorise recurring payments in users’ banking transactions to deliver actionable insights. Several use cases have been delivered to the market that utilise this core recognition capability. Subaio’s original and base product is a solution to identify, summarise, monitor and cancel subscriptions for end users, referred to as Subscription Management. Subaio’s customers are primarily banks and other financial institutions, with product implementation and end-user marketing done as a white-label directly inside the Customers’ existing interface – either online or mobile. During fiscal year 2022, Subaio continued the development of the Subscription Management solution, improving efficiency and accuracy and expanding into new markets with a focus on scalability, while also exploring new use cases of the core recognition capability. Commercial introduction of new use cases In 2022, the Company engaged in several development projects for new use cases based on the recurring payment recognition capability. This included a new product called Credit Check that was introduced to the Danish market in 2022 which provides loan-givers an automated and efficient tool to assess credit applications based on open-banking data flows and Subaio’s core recurring payment recognition capability. Furthermore, Subaio has devoted resources in a use case called Marketplace in which a consumer can purchase or switch to a new service, all from their bank’s mobile or online ecosystem. There are several other potential use cases and features within existing cases that are continuously assessed and prioritised based on Subaio’s core technology. Funding Round 2022 In the fourth quarter of 2022, a successful funding round was completed with capital contributions coming from existing and new investors. The contributions were made to continue to advance Subaio’s technology, attack new geographic markets, and capitalise on the existing and future sales pipeline. The funding round included an important contribution from Mastercard / Europay UK Limited, who became an equity holder while also joining Subaio in a strategic commercial partnership to deliver Subaio’s solutions to the market in a scalable fashion.