Finans 247 ApS - CVR: 38143824

2022, DKK

02.06.2023

Bruttoresultat

-3.127'

Primær drift

Na.

Årets resultat

-40.375'

Aktiver

180''

Kortfristede aktiver

173''

Egenkapital

21.435'

Afkastningsgrad

0 %

Soliditetsgrad

12 %

Likviditetsgrad

116 %

Resultat

02.06.2023

Årsrapport	2022 02.06.2023	2021 11.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2016 19.06.2018
Nettoomsætning	33.429.000	57.067.000
Bruttoresultat	-3.127.000	0	76.084.000	115.262.000	23.885.367	4.933.165
Resultat af primær drift	0	30.614.000	42.387.000	43.312.000	18.437.848	2.321.078
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0
Finansielle indtægter	408.000	66.000	12.000	55.000	37.032	8.878
Finansieringsomkostninger	-17.622.000	-16.892.000	-17.480.000	-15.513.000	-7.319.178	-1.517.264
Andre finansielle omkostninger	0	0	0	0	0	0
Resultat før skat	-39.595.000	13.738.000	24.919.000	27.854.000	11.155.702	812.692
Resultat	-40.375.000	10.248.000	20.254.000	21.726.000	8.694.290	630.924
Forslag til udbytte	0	0	0	0	0	-150.000

Aktiver

02.06.2023

Årsrapport	2022 02.06.2023	2021 11.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2016 19.06.2018
Kortfristede varebeholdninger	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	173.050.000	208.380.000	205.518.000	177.833.000	116.936.719	43.193.912
Likvider	417.000	2.220.000	1.233.000	4.276.000	993.347	3.590.340
Kortfristede aktiver	173.467.000	210.600.000	206.751.000	182.109.000	117.930.066	46.784.252
Immaterielle aktiver og goodwill	6.678.000	5.606.000	4.146.000	2.414.000	0	0
Finansielle anlægsaktiver	0	0	715.000	699.000	692.525	0
Materielle aktiver	177.000	298.000	434.000	1.021.000	0	0
Langfristede aktiver	6.873.000	5.904.000	5.295.000	4.134.000	756.084	0
Aktiver	180.340.000	216.504.000	212.046.000	186.243.000	118.686.150	46.784.252

Aktiver

02.06.2023

Passiver

02.06.2023

Årsrapport	2022 02.06.2023	2021 11.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2016 19.06.2018
Forslag til udbytte	0	0	0	0	0	150.000
Egenkapital	21.435.000	61.607.000	51.355.000	31.101.000	9.375.214	680.924
Hensatte forpligtelser	780.000	460.000	839.000	3.000	2.716	0
Langfristet gæld til banker	0	0	0	0	0	0
Anden langfristet gæld	9.082.000	915.000	0	2.000.000	6.200.000	19.470.545
Leverandører af varer og tjenesteydelser	559.000	974.000	1.186.000	2.346.000	0	0
Kortfristede forpligtelser	149.043.000	153.522.000	159.852.000	146.839.000	87.808.220	5.332.783
Gældsforpligtelser	158.125.000	154.437.000	159.852.000	155.139.000	109.308.220	46.103.328
Forpligtelser	158.125.000	154.437.000	159.852.000	155.139.000	109.308.220	46.103.328
Passiver	180.340.000	216.504.000	212.046.000	186.243.000	118.686.150	46.784.252

Passiver

02.06.2023

Nøgletal

02.06.2023

Årsrapport	2022 02.06.2023	2021 11.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2016 19.06.2018
Afkastningsgrad	Na.	14,1 %	20,0 %	23,3 %	15,5 %	5,0 %
Dækningsgrad	-9,4 %	Na.	Na.	Na.	Na.	Na.
Resultatgrad	-120,8 %	18,0 %	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	-188,4 %	16,6 %	39,4 %	69,9 %	92,7 %	92,7 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	23,8 %
Gældsdæknings-nøgletal	Na.	181,2 %	242,5 %	279,2 %	251,9 %	153,0 %
Soliditestgrad	11,9 %	28,5 %	24,2 %	16,7 %	7,9 %	1,5 %
Likviditetsgrad	116,4 %	137,2 %	129,3 %	124,0 %	134,3 %	877,3 %

Resultat

02.06.2023

Gæld

02.06.2023

Årsrapport

02.06.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 02.06.2023)

Beretning

02.06.2023

Dato for ledelsens godkendelse af årsrapporten:2023-05-31

Ledelsespåtegning:Statement by the Board of Directors and the Executive BoardToday, the Executive Board has discussed and approved the annual report of Finans 247 ApS for the financial year1 January – 31 December 2022. The annual report has been prepared in accordance with the Danish Financial Statements Act. In my opinion, the financial statements give a true and fair view of the financial position of the Company at 31December 2022 and development in the Company’s operations and financial matters and the results of theCompany’s operations and financial position. at 31 December 2022 and of the results of the Group’s and theCompany’s operations for the financial year 1 January – 31 December 2022. Further, in our opinion, the Management's review gives a fair review of the matters discussed in the Management’sreview.

Beskrivelse af usikkerhed ved indregning eller måling:Recognition and measurement uncertaintiesThe most significant uncertainty relates to the recognition and measurement of the Company’s expected credit lossand its valuation of loan receivables. The Company has conducted a write-down on the value of its gross client loanportfolio of 36mDKK. Write-down is taken over other operating expenses, resulting in a gross loss for the financialyear. The write-down of client loan value has resulted in a positive release in loan loss provisions of 14. 5mDKKeffecting other operating expenses. Total net effect to the profit and loss statement for the financial year is 21. 5mDKK. The adjustment covers multiple years. There are two reasons for the write-down. The first reason concerns client accounts that are transferred from earlycollection to late collection, a process which has been outsourced to external partners. In early collection accruedinterest is applied to the full balance (principal, interest and fees), whereas our collection partners apply accruedinterest only to the principal part, the write-down reflects the Company’s adjustment to accounting in line with thestricter approach employed by external partners. The Second reason applies to loan batches which will be three yearsor older in February 2023, where a penalty interest considerably higher than what is standard today has been applied. Danish law has changed since these accounts were onboarded and it cannot be expected that the penalty interestapplied to customers according to the agreement will hold in court, therefore an appropriate impairment was appliedto these accounts.