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CULTURA SPAREBANK
SPA
Active
Org 977041244
Holbergs Gate 1, 0166
Oslo
Other monetary intermediation
· NACE 6419
Est. 1996
21 employees
www.cultura.no
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Norway
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Other monetary intermediation
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CULTURA SPAREBANK
Overview
Financials
People & ownership
Related companies
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Financials
Revenue
NOK millions
0M
3M
5M
8M
10M
8M
2021
9M
2022
9M
2023
9M
2024
9M
2025
EBITDA
NOK millions
0M
-5M
-10M
-16M
-21M
-18M
2021
-20M
2022
-24M
2023
-33M
2024
-36M
2025
Income statement
NOK thousands
Item
2021
2022
2023
2024
2025
Revenue
7 856
9 031
8 864
8 985
8 677
Staff expenses
−15 498
−18 065
−18 940
−24 411
−25 337
EBITDA
−17 549
−20 493
−23 697
−33 499
−36 247
Depreciation & amort.
−1 448
−1 591
−1 618
−2 450
−2 473
EBIT
−18 997
−22 084
−25 315
−35 949
−38 720
Net financials
2 491
9 681
21 648
28 209
26 226
Profit before tax
−16 506
−12 403
−3 667
−7 740
−12 494
Tax
−0
−0
−0
−0
−0
Net profit
−16 506
−12 403
−3 667
−7 740
−12 494
Balance sheet
NOK thousands
Item
2021
2022
2023
2024
2025
Total assets
1 396 350
1 489 094
1 558 411
1 579 261
1 553 140
Equity
128 098
133 425
160 013
177 540
189 539
Long-term debt
0
0
0
0
0
Short-term debt
0
0
0
0
0
Total debt
1 268 252
1 355 669
1 398 398
1 401 721
1 363 601
Financial ratios
5-year trend
EBITDA margin
-417.7%
This company
15.8%
Market median
-2744% vs market
2021
2025
Equity ratio
12.2%
This company
38.2%
Market median
-68% vs market
2021
2025
Return on equity
-6.6%
This company
18.4%
Market median
-136% vs market
2021
2025
Net profit margin
-144.0%
This company
8.1%
Market median
-1878% vs market
2021
2025
Asset turnover
0.01×
This company
1.12×
Market median
-99% vs market
2021
2025
Debt / equity
7.19×
This company
0.62×
Market median
-1060% vs market
2021
2025
Annual reports & filings
Annual report 2025
Filed via Brønnøysundsregistrene · Period 2025-01-01 – 2025-12-31
View
PDF
Annual report 2024
Filed via Brønnøysundsregistrene · Period 2024-01-01 – 2024-12-31
View
PDF
Annual report 2023
Filed via Brønnøysundsregistrene · Period 2023-01-01 – 2023-12-31
View
PDF
Annual report 2022
Filed via Brønnøysundsregistrene · Period 2022-01-01 – 2022-12-31
View
PDF
Annual report 2021
Filed via Brønnøysundsregistrene · Period 2021-01-01 – 2021-12-31
View
PDF
More on CULTURA SPAREBANK
Overview →
Headline figures, risk assessment and company summary
People & ownership →
Management, board and shareholder breakdown
Related companies →
Corporate hierarchy, parent and subsidiary network
