dreamplan.io ApS - CVR: 40965874

2023, DKK

05.08.2024

Bruttoresultat

4.939'

Primær drift

Na.

Årets resultat

1.670'

Aktiver

10.700'

Kortfristede aktiver

1.477'

Egenkapital

7.594'

Afkastningsgrad

0 %

Soliditetsgrad

71 %

Likviditetsgrad

176 %

Resultat

05.08.2024

Årsrapport	2023 05.08.2024	2022 26.09.2023	2021 07.10.2022	2020 31.08.2021	2019 08.05.2020
Nettoomsætning
Bruttoresultat	4.938.611	1.689.620	-255.881	238.987	0
Resultat af primær drift	0	-1.808.498	-1.077.564	238.987	0
Indtægter af kapitalandele (tilknyttede og associerede)	0	0	0	0	0
Finansielle indtægter	70	157	0	0	0
Finansieringsomkostninger	-187.363	-133.835	-143.551	-270	0
Andre finansielle omkostninger	0	0	0	0	0
Resultat før skat	1.669.987	-1.942.176	-1.221.115	238.717	0
Resultat	1.669.987	-1.942.176	-1.179.353	186.203	0
Forslag til udbytte	0	0	0	0	0

Aktiver

05.08.2024

Årsrapport	2023 05.08.2024	2022 26.09.2023	2021 07.10.2022	2020 31.08.2021	2019 08.05.2020
Kortfristede varebeholdninger	0	0	0	0	0
Kortfristede tilgodehavender fra salg og tjenesteydelser	1.203.750	157.076	50.505	499.535	41.762
Likvider	273.454	1.078.359	4.770	295.537	0
Kortfristede aktiver	1.477.204	1.235.435	55.275	795.072	41.762
Immaterielle aktiver og goodwill	9.222.352	0	0	465.456	189.828
Finansielle anlægsaktiver	0	0	0	21.250	52.487
Materielle aktiver	0	0	0	0	0
Langfristede aktiver	9.222.352	5.961.818	2.353.495	486.706	242.315
Aktiver	10.699.556	7.197.253	2.408.770	1.281.778	284.077

Aktiver

05.08.2024

Passiver

05.08.2024

Årsrapport	2023 05.08.2024	2022 26.09.2023	2021 07.10.2022	2020 31.08.2021	2019 08.05.2020
Forslag til udbytte	0	0	0	0	0
Egenkapital	7.594.081	4.791.817	-628.150	551.203	240.000
Hensatte forpligtelser	0	0	0	41.762	41.762
Langfristet gæld til banker	2.266.002	0	0	0	0
Anden langfristet gæld		0	0	500.000	0
Leverandører af varer og tjenesteydelser	40.675	6.317	190.311	50.371	1.563
Kortfristede forpligtelser	839.473	325.817	527.236	188.813	2.315
Gældsforpligtelser	0	2.405.436	3.036.920	688.813	2.315
Forpligtelser	0	2.405.436	3.036.920	688.813	2.315
Passiver	10.699.556	7.197.253	2.408.770	1.281.778	284.077

Passiver

05.08.2024

Nøgletal

05.08.2024

Årsrapport	2023 05.08.2024	2022 26.09.2023	2021 07.10.2022	2020 31.08.2021	2019 08.05.2020
Afkastningsgrad	Na.	-25,1 %	-44,7 %	18,6 %	Na.
Dækningsgrad	Na.	Na.	Na.	Na.	Na.
Resultatgrad	Na.	Na.	Na.	Na.	Na.
Varelagerets omsætningshastighed	Na.	Na.	Na.	Na.	Na.
Egenkapitals-forretning	22,0 %	-40,5 %	187,8 %	33,8 %	Na.
Payout-ratio	Na.	Na.	Na.	Na.	Na.
Gældsdæknings-nøgletal	Na.	-1.351,3 %	-750,6 %	88.513,7 %	Na.
Soliditestgrad	71,0 %	66,6 %	-26,1 %	43,0 %	84,5 %
Likviditetsgrad	176,0 %	379,2 %	10,5 %	421,1 %	1.804,0 %

Resultat

05.08.2024

Gæld

05.08.2024

Årsrapport

05.08.2024

Nyeste:01.04.2023- 31.03.2024(offentliggjort: 05.08.2024)

Information om virksomhedens regnskabsklasse:The annual report of dreamplan. io ApS for 2022/23 has been prepared in accordance with the provisions applying to reporting class B entities under the Danish Financial Statements Act with opt-in from higher reporting classes.

Beretning

05.08.2024

Statement by Management on the annual report

Identifikation af den godkendte årsrapport:The Board of Directors and the Executive Board have today discussed and approved the annual report for dreamplan. io ApS for the financial year 1 April 2023 - 31 March 2024.

Management's review

Beskrivelse af virksomhedens væsentligste aktiviteter: Principal activities Dreamplan is a Danish FSA licensed self-service holistic financial advisory tool which helps everybody optimize their finances across mortgages, savings, investments and pension as well as showing the financial perspectives in obtaining goals and dreams over time. Dreamplan’s approach to financial advice is two-fold: 1) human-centred so that our customers feel empowered and in control of their own lives and 2) driven by data science and machine learning and deep knowledge about financial optimization legislation and research. Dreamplan. io is a web solution which: 1. Collect data easily with self-entry or eID: personal data, pension savings, mortgages, investments, saving in companies and other saving as well as goals and dreams 2. Analyse data: we calculate and optimise savings across the different savings areas over time in light of tax rules, inflation prediction, interest arbitrage and the need for liquidity 3. Use data: the user can adjust the Dreamplan recommended plan to suit their situation and risk profile better. We offer a continuous financial overview and match our customers with the best products offered by financial institutions as well as an overview of products available which they can but directly in the Dreamplan platform – with or without the help of a qualified human financial advisor 4. Push data: We signpost to the best product at the right time. For now, our focus is mortgages, investment, savings and pension. In the future many more financial services and more to come Our current competitors, Independent financial advisors, are based on traditional labour-intensive methods with digital support for the advisor only. Our main differentiator is that we have made a scalable tool which is becoming our customers go-to when they want cost-effective independent advice. Our long-term differentiation strategy is to - following the EU legislation on Open Finance - offer the users the ability to make changes in the financial products within the platform. We have built a very strong and flexible software solution aimed at helping retail banking customers. Several financial institutions have acknowledged the need to offer self service and opted for a Dreamplan/B2B solution which gives their customers the Dreamplan-experience in the financial institutions visual identity fully integrated with existing CRM, CMS and other backend APIs. And the solution offers the business units the possibility to build no-code data collection and product offer flows and API integrations for very rapid go to market.