Riskpilot← Back to searchSign inGet full accessKREDITORFORENINGEN SA
SAActiveOrg 948678829Bomvegen 3, 7725 SteinkjerActivities of collection agencies and credit bureaus · NACE 8291Est. 197969 employeeswww.kred.no
Revenue 2024
NOK 93,2M
+4% vs 2023
EBITDA margin
7.2%
-31% vs 2023
Equity ratio
73.1%
Financial strength
Net profit 2024
NOK 7,9M
-13% vs 2023
| Revenue | NOK 93,2M | +4% |
| EBITDA | NOK 6,7M | -31% |
| Net profit | NOK 7,9M | -13% |
| Total assets | NOK 88,3M | +10% |
| Equity | NOK 64,6M | +10% |
| Employees | 69 | — |
Legal name
KREDITORFORENINGEN SA
Org number
948678829
Legal form
Samvirkeforetak
NACE code
8291 · Activities of collection agencies and credit bureaus
Founded
11. september 1979
Share capital
—
Employees
69 (FTE)
VAT registered
Yes
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
Daglig leder og styrets leder i fellesskap.
Address
Bomvegen 3, 7725 Steinkjer
Phone
+4774150800
Website
www.kred.no
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 17 271 | 20 170 | 19 120 | 21 133 | 21 084 | 22 949 | 24 263 | 32 910 | 37 839 | 44 207 | 46 314 | 47 940 | 42 082 | 64 549 | 71 877 | 89 918 | 93 239 |
| Staff expenses | −10 496 | −10 776 | −11 269 | −12 183 | −12 773 | −13 150 | −15 016 | −15 859 | −18 632 | −21 940 | −23 087 | −26 566 | −23 391 | −35 079 | −45 406 | −52 909 | −55 932 |
| EBITDA | 1 440 | 2 821 | 790 | 1 246 | 385 | 295 | 736 | 1 628 | 1 628 | 3 525 | 6 109 | 4 905 | 3 095 | 521 | −360 | 9 801 | 6 746 |
| Depreciation & amort. | −165 | −233 | −275 | −297 | −331 | −291 | −265 | −400 | −349 | −406 | −503 | −503 | −346 | −360 | −795 | −2 675 | −1 841 |
| EBIT | 1 275 | 2 588 | 515 | 949 | 54 | 4 | 471 | 1 228 | 1 279 | 3 119 | 5 606 | 4 402 | 2 749 | 161 | −1 155 | 7 126 | 4 905 |
| Net financials | −2 024 | 3 076 | 2 110 | 126 | 2 447 | 2 750 | −9 | 1 049 | 1 129 | 1 558 | 185 | 849 | 1 060 | 3 215 | −2 605 | 3 975 | 4 644 |
| Profit before tax | −748 | 5 664 | 2 625 | 1 075 | 2 501 | 2 754 | 462 | 2 277 | 2 408 | 4 677 | 5 791 | 5 251 | 3 809 | 3 376 | −3 760 | 11 101 | 9 549 |
| Tax | 941 | 1 171 | 606 | 761 | 429 | 480 | −919 | 369 | 657 | 900 | 1 474 | 1 241 | 631 | 245 | −450 | 2 090 | 1 672 |
| Net profit | −1 690 | 4 493 | 2 019 | 314 | 2 072 | 2 274 | 1 381 | 1 908 | 1 751 | 3 777 | 4 317 | 4 010 | 3 178 | 3 131 | −3 310 | 9 011 | 7 877 |
| Item | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 29 310 | 34 088 | 35 448 | 35 994 | 37 666 | 39 913 | 40 746 | 43 925 | 44 235 | 50 630 | 55 055 | 55 945 | 56 419 | 74 169 | 65 261 | 80 095 | 88 310 |
| Equity | 24 086 | 28 579 | 30 598 | 30 912 | 32 983 | 35 257 | 35 942 | 36 850 | 37 601 | 40 379 | 43 695 | 43 540 | 45 718 | 61 806 | 51 667 | 58 678 | 64 556 |
| Long-term debt | 2 | 0 | 0 | 107 | 151 | 228 | 0 | 0 | 125 | 634 | 682 | 635 | 606 | 784 | 208 | 1 970 | 2 364 |
| Short-term debt | 5 221 | 5 509 | 4 850 | 4 975 | 4 532 | 4 428 | 4 804 | 7 075 | 6 509 | 9 617 | 10 678 | 11 770 | 10 095 | 11 578 | 13 386 | 19 447 | 21 390 |
| Total debt | 5 224 | 5 509 | 4 850 | 5 082 | 4 683 | 4 656 | 4 804 | 7 075 | 6 634 | 10 251 | 11 360 | 12 405 | 10 701 | 12 362 | 13 593 | 21 417 | 23 754 |
EBITDA margin
7.2%
This company
15.8%
Market median
-54% vs market
20082024
Equity ratio
73.1%
This company
38.2%
Market median
+91% vs market
20082024
Return on equity
12.2%
This company
18.4%
Market median
+34% vs market
20082024
Net profit margin
8.4%
This company
8.1%
Market median
+4% vs market
20082024
Asset turnover
1.06×
This company
1.12×
Market median
+5% vs market
20082024
Debt / equity
0.37×
This company
0.62×
Market median
+40% vs market
20082024
- 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
- Annual report 2020Filed via Brønnøysundsregistrene · Period 2020-01-01 – 2020-12-31
- Annual report 2019Filed via Brønnøysundsregistrene · Period 2019-01-01 – 2019-12-31
- Annual report 2018Filed via Brønnøysundsregistrene · Period 2018-01-01 – 2018-12-31
- Annual report 2017Filed via Brønnøysundsregistrene · Period 2017-01-01 – 2017-12-31
- Annual report 2016Filed via Brønnøysundsregistrene · Period 2016-01-01 – 2016-12-31
- Annual report 2015Filed via Brønnøysundsregistrene · Period 2015-01-01 – 2015-12-31
- Annual report 2014Filed via Brønnøysundsregistrene · Period 2014-01-01 – 2014-12-31
- Annual report 2013Filed via Brønnøysundsregistrene · Period 2013-01-01 – 2013-12-31
- Annual report 2012Filed via Brønnøysundsregistrene · Period 2012-01-01 – 2012-12-31
- Annual report 2011Filed via Brønnøysundsregistrene · Period 2011-01-01 – 2011-12-31
- Annual report 2010Filed via Brønnøysundsregistrene · Period 2010-01-01 – 2010-12-31
- Annual report 2009Filed via Brønnøysundsregistrene · Period 2009-01-01 – 2009-12-31
- Annual report 2008Filed via Brønnøysundsregistrene · Period 2008-01-01 – 2008-12-31
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
MA Deputy Member | Deputy Member | 2023 | — | — |
EM Deputy Member | Deputy Member | 2022 | — | — |
BG Chief Executive Officer | Chief Executive Officer | 2010 | — | — |
SN Deputy Member | Deputy Member | 2022 | — | — |
TO Deputy Member | Deputy Member | 2025 | — | — |
HM Deputy Member | Deputy Member | 2022 | — | — |
JH Deputy Member | Deputy Member | 2022 | — | — |
MW Deputy Member | Deputy Member | 2025 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Board of Directors | 2025 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Board of Directors | 2022 | — | — | |
| Chairman | 2022 | — | — | |
| Board of Directors | 2025 | — | — |
No shareholder data available.
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
No registered parent or subsidiaries
Board members of KREDITORFORENINGEN SA also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Mary Anna Kaland | Deputy Member | 0 companies |
| Espen Melby | Deputy Member | 0 companies |
| Bjørn Grønnesby | Chief Executive Officer | 0 companies |
| Solfrid Norum Grankvist | Deputy Member | 0 companies |
| Tor Olav Slettum | Deputy Member | 0 companies |
| Hans Marius Krogsrud | Deputy Member | 0 companies |
| Jon Håvard Solum | Deputy Member | 0 companies |
| Malin Welde | Deputy Member | 0 companies |
| Ole-Martin Tronstad | Board of Directors | 0 companies |
| Olav Jr Hovland | Board of Directors | 0 companies |
| Turid Arntsen Derås | Board of Directors | 0 companies |
| Heidi-Anita Berget | Board of Directors | 0 companies |
| Knut Arne Lilleseth | Board of Directors | 0 companies |
| Elinn Mona Alfstad Thorsen | Board of Directors | 0 companies |
| Hilde Børstad Melhus | Board of Directors | 0 companies |
| Marius Værdal | Chairman | 0 companies |
| Cato Finsås | Board of Directors | 0 companies |