Finans 247 Holding A/S - CVR: 38616706

2022, DKK

06.07.2023

Bruttoresultat

1.540'

Primær drift

-4.927'

Årets resultat

-9.810'

Aktiver

176''

Kortfristede aktiver

132''

Egenkapital

3.072'

Afkastningsgrad

-3 %

Soliditetsgrad

2 %

Likviditetsgrad

0 %

Resultat

06.07.2023

Årsrapport	2022 06.07.2023	2021 29.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2017 26.06.2018
Nettoomsætning
Bruttoresultat	1.540.000	0	0	0	-1.435.000	-140.500
Bruttoresultat	-4.397.000	1.894.000	2.861.000	4.703.000	0	0
Resultat af primær drift	-4.927.000	0	0	-3.507.000	-2.186.000	-140.500
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0	0
Finansielle indtægter	16.204.000	17.338.000	17.286.000	12.048.000	1.366.000	0
Finansieringsomkostninger	-20.733.000	-19.824.000	-18.703.000	-13.155.000	0	-670
Andre finansielle omkostninger	0	0	0	0	0	0
Resultat før skat	-9.456.000	-12.166.000	-7.032.000	-4.614.000	5.556.000	-141.170
Resultat	-9.810.000	-11.496.000	-5.485.000	-3.598.000	5.985.000	-141.170
Forslag til udbytte	0	0	0	0	0	0

Aktiver

06.07.2023

Årsrapport	2022 06.07.2023	2021 29.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2017 26.06.2018
Kortfristede varebeholdninger	0	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	0	132.887.000	158.998.000	114.868.000	54.352.000	95.500
Likvider	0	1.448.000	5.256.000	8.179.000	8.541.000	0
Kortfristede aktiver	131.607.000	134.335.000	164.254.000	123.047.000	62.893.000	95.500
Immaterielle aktiver og goodwill	0	0	0	0	0	0
Finansielle anlægsaktiver	0	37.927.000	10.114.000	8.842.000	4.176.000	143.951
Materielle aktiver	166.000	166.000	0	0	0	0
Langfristede aktiver	44.317.000	38.093.000	10.114.000	8.842.000	4.176.000	143.951
Aktiver	175.924.000	172.428.000	174.369.000	131.889.000	67.069.000	239.451

Aktiver

06.07.2023

Passiver

06.07.2023

Årsrapport	2022 06.07.2023	2021 29.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2017 26.06.2018
Forslag til udbytte	0	0	0	0	0	0
Egenkapital	3.072.000	12.882.000	1.561.000	1.996.000	5.594.000	-41.170
Hensatte forpligtelser	0	0	0	0	0	0
Langfristet gæld til banker	0	0	0	0	0	0
Anden langfristet gæld		0	0	43.924.000	23.061.000	0
Leverandører af varer og tjenesteydelser	0	0	0	10.000	0	0
Kortfristede forpligtelser	0	135.229.000	85.527.000	35.753.000	25.914.000	280.621
Gældsforpligtelser	172.852.000	159.546.000	172.808.000	129.892	61.475.000	280.621
Forpligtelser	172.852.000	159.546.000	172.808.000	129.892	61.475.000	280.621
Passiver	175.924.000	172.428.000	174.369.000	131.889.000	67.069.000	239.451

Passiver

06.07.2023

Nøgletal

06.07.2023

Årsrapport	2022 06.07.2023	2021 29.07.2022	2020 02.07.2021	2019 24.08.2020	2018 27.05.2019	2017 26.06.2018
Afkastningsgrad	-2,8 %	Na.	Na.	-2,7 %	-3,3 %	-58,7 %
Dækningsgrad	Na.	Na.	Na.	Na.	Na.	Na.
Resultatgrad	Na.	Na.	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	-319,3 %	-89,2 %	-351,4 %	-180,3 %	107,0 %	342,9 %
Payout-ratio	Na.	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	-23,8 %	Na.	Na.	-26,7 %	Na.	-20.970,1 %
Soliditestgrad	1,7 %	7,5 %	0,9 %	1,5 %	8,3 %	-17,2 %
Likviditetsgrad	Na.	99,3 %	192,0 %	344,2 %	242,7 %	34,0 %

Resultat

06.07.2023

Gæld

06.07.2023

Årsrapport

06.07.2023

Nyeste:01.01.2022- 31.12.2022(offentliggjort: 06.07.2023)

Beretning

06.07.2023

Dato for ledelsens godkendelse af årsrapporten:2023-07-04

Ledelsespåtegning:Statement by Management

Beskrivelse af usikkerhed ved indregning eller måling:Uncertainty related to recognition and measurementThe most significant uncertainty relates to the recognition and measurement of the Company’s expectedcredit loss and its valuation of loan receivables. The Company has conducted a write-down on its value onclient loan portfolio of 36 mio. kr. The write-down is taken over revenue, resulting in a negative revenuefor the financial year. The write-down of client loan value has resulted in a positive release in loan lossprovisions of 14. 5 mio. kr effecting other operating expenses. Total net effect to the profit and lossstatement for the financial year is 21. 5 mio. kr. There are two reasons behind the write-down. First reason concerns client accounts that are transferredfrom early collection to late collection, a processwhich has been outsourced to external partners. In earlycollection accrued interest is applied to the full balance (principal, interest and fees), whereas ourcollection partners apply accrued interest only to the capital part, whereas a difference in client loan valueoccurs. Second reason applies to loan batches which will be three years or older in February 2023, wherea penalty interest considerably higher than what isstandard today has been applied. Danish law haschanged since these accounts were onboarded and it cannot be expected that the penalty interest appliedto customers according to the agreement will hold in court.

Statement by Management on the annual report

Identifikation af den godkendte årsrapport:Today, the Board of Directors and the Executive Board have discussed and approved the annual report ofFinans 247 Holding A/S for the financial year 1 January – 31 December 2022.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter:Principal activitiesThe Finans 247 Holding A/S Group provides affordable, easily and quickly accessible consumer financeproducts in Denmark and Sweden for online customerswho are inadequately served by the financialindustry. Finans 247 Holding A/S is mainly the holding company for the consumer finance companies of the Group,and it also provides management and administrative services as well as funding to the subsidiaries. The Company was established in 2017 and is headquartered in Copenhagen.