Riskpilot← Back to searchSign inGet full accessAGDER SPAREBANK
SPAActiveOrg 937894260Torvet 8, 4836 ArendalOther monetary intermediation · NACE 6419Est. 188485 employeeswww.agdersparebank.no
Revenue 2025
NOK 71,1M
+3% vs 2024
EBITDA margin
-140.8%
-95% vs 2024
Equity ratio
14.0%
Financial strength
Net profit 2025
NOK -64M
-403% vs 2024
| Revenue | NOK 71,1M | +3% |
| EBITDA | NOK -100,1M | -95% |
| Net profit | NOK -64M | -403% |
| Total assets | NOK 11,2B | +40% |
| Equity | NOK 1,6B | +44% |
| Employees | 85 | — |
Legal name
AGDER SPAREBANK
Org number
937894260
Legal form
Sparebank
NACE code
6419 · Other monetary intermediation
Founded
1. mars 1884
Share capital
—
Employees
85 (FTE)
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Company purpose
Utføre forretninger og tjenester som det er vanlig eller naturlig at sparebanker kan utføre i henhold til den til enhver tid gjeldene lovgivning og de til enhver tid gitte konsesjoner.
Address
Torvet 8, 4836 Arendal
Website
www.agdersparebank.no
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| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | 32 067 | 41 292 | 56 142 | 68 753 | 71 124 |
| Staff expenses | −23 610 | −40 012 | −54 038 | −63 464 | −75 991 |
| EBITDA | −18 618 | −67 142 | −58 076 | −51 273 | −100 128 |
| Depreciation & amort. | −1 113 | −1 917 | −2 885 | −3 885 | −3 903 |
| EBIT | −19 731 | −69 059 | −60 961 | −55 158 | −104 031 |
| Net financials | 621 | 9 124 | 29 825 | 42 433 | 40 076 |
| Profit before tax | −19 110 | −59 935 | −31 136 | −12 725 | −63 955 |
| Tax | −0 | −0 | −0 | −0 | −0 |
| Net profit | −19 110 | −59 935 | −31 136 | −12 725 | −63 955 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 3 002 182 | 7 142 792 | 7 495 221 | 7 983 055 | 11 156 495 |
| Equity | 365 581 | 914 948 | 1 020 490 | 1 082 647 | 1 557 427 |
| Long-term debt | −2 863 | 0 | 0 | 0 | −15 684 |
| Short-term debt | 0 | 0 | 0 | 0 | 0 |
| Total debt | 2 633 738 | 6 227 844 | 6 474 731 | 6 900 409 | 9 583 384 |
EBITDA margin
-140.8%
This company
15.8%
Market median
-991% vs market
20212025
Equity ratio
14.0%
This company
38.2%
Market median
-63% vs market
20212025
Return on equity
-4.1%
This company
18.4%
Market median
-122% vs market
20212025
Net profit margin
-89.9%
This company
8.1%
Market median
-1210% vs market
20212025
Asset turnover
0.01×
This company
1.12×
Market median
-99% vs market
20212025
Debt / equity
6.16×
This company
0.62×
Market median
-894% vs market
20212025
- Annual report 2025Filed via Brønnøysundsregistrene · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via Brønnøysundsregistrene · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via Brønnøysundsregistrene · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via Brønnøysundsregistrene · Period 2022-01-01 – 2022-12-31
- Annual report 2021Filed via Brønnøysundsregistrene · Period 2021-01-01 – 2021-12-31
| Name | Role | Member since |
|---|---|---|
| Current (7) | ||
NM Chief Executive Officer | Chief Executive Officer | 2011 |
TB Deputy Member | Deputy Member | 2022 |
BL Observer | Observer | 2022 |
SB Deputy Member | Deputy Member | 2025 |
MM Deputy Member | Deputy Member | 2025 |
SM Deputy Member | Deputy Member | 2022 |
CC Deputy Member | Deputy Member | 2022 |
| Former (4) | ||
PE Deputy Member | Deputy Member | 2021 – 2022 |
CS Deputy Member | Deputy Member | 2021 – 2022 |
RI Deputy Member | Deputy Member | 2020 – 2021 |
SA Observer | Observer | 2021 – 2022 |
| Name | Role | Member since |
|---|---|---|
| Current (8) | ||
| Deputy Chairman | 2022 | |
| Board of Directors | 2022 | |
| Deputy Chairman | 2025 | |
| Board of Directors | 2022 | |
| Board of Directors | 2022 | |
| Chairman | 2022 | |
| Board of Directors | 2022 | |
| Board of Directors | 2025 | |
| Former (5) | ||
| Chairman | 2020 – 2021 | |
| Board of Directors | 2021 – 2022 | |
| Deputy Chairman | 2021 – 2022 | |
| Board of Directors | 2021 – 2022 | |
| Board of Directors | 2022 – 2023 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 6.12% | 6.12% | 2024 | |
| Company | 5.83% | 5.83% | 2024 | |
| Individual | 4.67% | 4.67% | 2024 | |
| Individual | 4.45% | 4.45% | 2024 | |
| Company | 4.42% | 4.42% | 2024 | |
| Individual | 4.42% | 4.42% | 2024 | |
| Company | 4.4% | 4.4% | 2024 | |
| Company | 3.48% | 3.48% | 2024 | |
| Individual | 2.88% | 2.88% | 2024 | |
| Individual | 2.8% | 2.8% | 2024 | |
| Individual | 2.43% | 2.43% | 2024 | |
| Company | 2.43% | 2.43% | 2024 | |
| Company | 2.43% | 2.43% | 2024 | |
| Individual | 2.43% | 2.43% | 2024 | |
| Individual | 2.33% | 2.33% | 2024 | |
| Company | 2.3% | 2.3% | 2024 | |
| Company | 1.98% | 1.98% | 2024 | |
| Company | 1.68% | 1.68% | 2024 | |
| Company | 1.68% | 1.68% | 2024 | |
| Company | 1.62% | 1.62% | 2024 | |
| Company | 1.6% | 1.6% | 2024 | |
| Company | 1.6% | 1.6% | 2022 | |
| Individual | 1.55% | 1.55% | 2024 | |
| Individual | 1.38% | 1.38% | 2024 | |
| Individual | 1.18% | 1.18% | 2024 | |
| Company | 1.15% | 1.15% | 2022 | |
| Individual | 1.15% | 1.15% | 2024 | |
| Company | 1.05% | 1.05% | 2022 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
Ørshall As
AGDER SPAREBANK Board members of AGDER SPAREBANK also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Nina Marie Holte | Chief Executive Officer | 0 companies |
| Tallak Bakken | Deputy Member | 0 companies |
| Bente Lundberg Lindstøl | Observer | 0 companies |
| Stine Birkeland | Deputy Member | 0 companies |
| Marit Mathisen | Deputy Member | 0 companies |
| Per Eskeland | Deputy Member | 0 companies |
| Camilla Saga | Deputy Member | 0 companies |
| Roger Iskow Bach | Deputy Member | 0 companies |
| Silje Mari Mikalsen | Deputy Member | 0 companies |
| Cathrine Coucheron Berli | Deputy Member | 0 companies |
| Sølvi Anita Bråten Simonstad | Observer | 0 companies |
| Jan Kenneth De Bartolo | Deputy Chairman | 0 companies |
| Hans Albert Iversen | Chairman | 0 companies |
| Mette Marit Salvesen | Board of Directors | 0 companies |
| Olav Voie | Deputy Chairman | 0 companies |
| Anita Aanonsen Jernquist | Board of Directors | 0 companies |
| Gisle Stavland | Deputy Chairman | 0 companies |
| Odd-Keilon Osmundsen | Board of Directors | 0 companies |
| Nina Marete Tveite | Board of Directors | 0 companies |
| Per Olav Nærestad | Chairman | 0 companies |
| Grete Jonassen | Board of Directors | 0 companies |
| Anny Grethe Hauge | Board of Directors | 0 companies |
| Eyvind Aasen | Board of Directors | 0 companies |
| Odd Keilon Osmundsen | Board of Directors | 0 companies |