Riskpilot← Back to searchSign inGet full accessJBF SPAREBANK AS
ASActiveOrg 982719445Rosenkrantz' Gate 21, 0160 OsloOther monetary intermediation · NACE 6419Est. 200058 employeeswww.jbf.no
Revenue 2024
NOK 372,8M
+9% vs 2023
EBITDA margin
57.2%
+24% vs 2023
Equity ratio
15.0%
Financial strength
Net profit 2024
NOK 159,9M
+22% vs 2023
| Revenue | NOK 372,8M | +9% |
| EBITDA | NOK 213,1M | +24% |
| Net profit | NOK 159,9M | +22% |
| Total assets | NOK 12,4B | +5% |
| Equity | NOK 1,9B | +6% |
| Employees | 58 | — |
Legal name
JBF SPAREBANK AS
Org number
982719445
Legal form
Aksjeselskap
NACE code
6419 · Other monetary intermediation
Founded
5. desember 2000
Share capital
NOK 328 791 250
Employees
58 (FTE)
VAT registered
No
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
Daglig leder alene. Styrets leder alene. To styremedlemmer i fellesskap.
Company purpose
Utføre forretninger og tjenester som det er vanlig eller naturlig at banker kan utføre i henhold til den til enhver tid gjeldende lovgivning og de til enhver tid gitte konsesjoner, samt virksomhet som naturlig henger sammen med dette.
Address
Rosenkrantz' Gate 21, 0160 Oslo
Website
www.jbf.no
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Revenue | 0 | 95 409 | 72 833 | 342 400 | 372 811 |
| Staff expenses | −62 410 | −73 493 | −75 776 | −79 925 | −87 338 |
| EBITDA | −147 012 | −35 674 | −85 545 | 171 998 | 213 134 |
| Depreciation & amort. | −415 | −4 163 | −3 705 | −4 877 | −5 055 |
| EBIT | −147 427 | −39 837 | −89 250 | 167 121 | 208 079 |
| Net financials | −7 078 | 13 183 | 267 428 | 0 | 0 |
| Profit before tax | −154 505 | −26 654 | 178 178 | 167 121 | 208 079 |
| Tax | −17 859 | −0 | −0 | 35 764 | 48 208 |
| Net profit | −136 646 | −26 654 | 178 178 | 131 357 | 159 871 |
| Item | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Total assets | 10 293 557 | 11 257 513 | 11 711 607 | 11 880 196 | 12 443 115 |
| Equity | 1 265 431 | 1 358 925 | 1 627 843 | 1 759 617 | 1 867 314 |
| Long-term debt | −23 368 | −26 298 | −20 336 | 992 184 | 1 041 298 |
| Short-term debt | 0 | 0 | 0 | 9 076 204 | 9 504 908 |
| Total debt | 9 004 758 | 9 872 290 | 10 063 428 | 10 068 388 | 10 546 206 |
EBITDA margin
57.2%
This company
15.8%
Market median
+262% vs market
20202024
Equity ratio
15.0%
This company
38.2%
Market median
-61% vs market
20202024
Return on equity
8.6%
This company
18.4%
Market median
-53% vs market
20202024
Net profit margin
42.9%
This company
8.1%
Market median
+430% vs market
20202024
Asset turnover
0.03×
This company
1.12×
Market median
-97% vs market
20202024
Debt / equity
5.66×
This company
0.62×
Market median
-813% vs market
20202024
- 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
| Name | Role | Member since |
|---|---|---|
| Current (1) | ||
AØ Chief Executive Officer | Chief Executive Officer | 2025 |
| Former (8) | ||
EN Deputy Member | Deputy Member | 2022 – 2025 |
GT Deputy Member | Deputy Member | 2022 – 2025 |
AS Deputy Member | Deputy Member | 2022 – 2025 |
JG Deputy Member | Deputy Member | 2022 – 2024 |
BF Deputy Member | Deputy Member | 2025 – 2025 |
OS Deputy Member | Deputy Member | 2024 – 2025 |
BS Deputy Member | Deputy Member | 2022 – 2024 |
PT Deputy Member | Deputy Member | 2024 – 2025 |
| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
| Chairman | 2025 | |
| Board of Directors | 2025 | |
| Deputy Chairman | 2025 | |
| Board of Directors | 2025 | |
| Former (14) | ||
| Board of Directors | 2022 – 2023 | |
| Board of Directors | 2023 – 2025 | |
| Board of Directors | 2022 – 2024 | |
| Deputy Chairman | 2021 – 2022 | |
| Deputy Chairman | 2025 – 2025 | |
| Board of Directors | 2022 – 2025 | |
| Chairman | 2022 – 2025 | |
| Board of Directors | 2022 – 2025 | |
| Board of Directors | 2024 – 2025 | |
| Board of Directors | 2023 – 2025 | |
| Board of Directors | 2022 – 2024 | |
| Board of Directors | 2024 – 2025 | |
| Chairman | 2025 – 2025 | |
| Board of Directors | 2022 – 2023 | |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Company | 46.82% | 46.82% | 2024 | |
| Company | 23.27% | 23.27% | 2024 | |
| Company | 5.51% | 5.51% | 2024 | |
| Company | 3.69% | 3.69% | 2024 | |
| Company | 2.03% | 2.03% | 2024 | |
| Individual | 1.97% | 1.97% | 2024 | |
| Company | 1.94% | 1.94% | 2024 | |
| Company | 1.44% | 1.44% | 2024 | |
| Individual | 1.18% | 1.18% | 2024 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
Jbf Forsikring Gjensidig
JBF SPAREBANK AS Board members of JBF SPAREBANK AS also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Aud Østerhus Oland | Chief Executive Officer | 0 companies |
| Enej Novo | Deputy Member | 0 companies |
| Grethe Therese Thorsen | Deputy Member | 0 companies |
| Anita Skofteby | Deputy Member | 0 companies |
| Jan Georg Daae Hansen | Deputy Member | 0 companies |
| Bianca Fedje | Deputy Member | 0 companies |
| Ole Strøm | Deputy Member | 0 companies |
| Bente Sandaker | Deputy Member | 0 companies |
| Petter Trønnes | Deputy Member | 0 companies |
| Helge Roar Dalen | Chairman | 0 companies |
| Robert Homstad | Board of Directors | 0 companies |
| Marianne Sørlie | Board of Directors | 0 companies |
| Espen Solstad | Board of Directors | 0 companies |
| Øivind Gaarder | Board of Directors | 0 companies |
| Hans Kyrre Draagen | Deputy Chairman | 0 companies |
| Line Alfarrustad | Deputy Chairman | 0 companies |
| Rolf Juul Ringdal | Board of Directors | 0 companies |
| Lise-Lotte Solum | Chairman | 0 companies |
| Gro Anita Lybeck | Board of Directors | 0 companies |
| Jannicke Schumann Olsen | Board of Directors | 0 companies |
| Tine Gevelt | Deputy Chairman | 0 companies |
| Markus Obrestad Randen | Board of Directors | 0 companies |
| Jane Brekkhus Sætre | Board of Directors | 0 companies |
| Tuna Ayse Kocak | Board of Directors | 0 companies |
| Torfinn Håverstad | Board of Directors | 0 companies |
| Erik Engan | Chairman | 0 companies |
| Catharina Linn Munthe | Board of Directors | 0 companies |