Riskpilot← Back to searchSign inGet full accessZMARTA AS
ASActiveOrg 985220239Jernbanetorget 4, 0154 OsloOther activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 20030 employeeswww.centum.no
Revenue 2024
NOK 8,8M
-42% vs 2023
EBITDA margin
26.5%
+49% vs 2023
Equity ratio
41.8%
Financial strength
Net profit 2024
NOK 3M
-65% vs 2023
| Revenue | NOK 8,8M | -42% |
| EBITDA | NOK 2,3M | +49% |
| Net profit | NOK 3M | -65% |
| Total assets | NOK 234,5M | +5% |
| Equity | NOK 97,9M | +3% |
| Employees | 0 | — |
Legal name
ZMARTA AS
Org number
985220239
Legal form
Aksjeselskap
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
7. januar 2003
Share capital
NOK 100 000
Employees
0
VAT registered
No
Audit selected
No
Last report
2024-12-31
Financial year
January – December
Signatory rights
To styremedlemmer i fellesskap.
Company purpose
Drive markedsføring og formidling av privatlån, forsikringsformidling samt markedsføring av andre finansielle tjenester til forbrukere og bedriftskunder samt utøve virksomhet i tilknytning hertil.
Address
Jernbanetorget 4, 0154 Oslo
Website
www.centum.no
Risika for professionals
Risika provides regulated workflow tools for finance, procurement and compliance teams that need monitoring, alerts and an API.
| Item | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 17 976 | 25 107 | 30 236 | 33 336 | 95 263 | 136 522 | 153 150 | 142 018 | 65 697 | 36 702 | 42 941 | 39 056 | 15 160 | 8 787 |
| Staff expenses | −5 522 | −6 221 | −10 888 | −9 880 | −16 243 | −18 542 | −19 683 | −15 614 | −9 017 | −10 457 | −14 496 | −13 415 | −5 150 | −3 877 |
| EBITDA | 7 664 | 12 255 | 9 047 | 7 403 | 47 628 | 76 106 | 75 215 | 56 227 | 15 734 | 4 516 | −3 691 | −856 | 1 558 | 2 325 |
| Depreciation & amort. | −3 | −19 | −30 | −3 | −6 | −6 | −6 | −6 | −3 | −0 | −0 | −0 | −0 | −0 |
| EBIT | 7 661 | 12 236 | 9 017 | 7 399 | 47 621 | 76 099 | 75 209 | 56 221 | 15 730 | 4 516 | −3 691 | −856 | 1 558 | 2 325 |
| Net financials | 40 | −10 | 174 | −115 | 1 028 | 1 693 | 3 552 | 2 259 | −3 012 | 18 494 | −12 585 | −5 885 | 9 403 | 1 480 |
| Profit before tax | 7 702 | 12 226 | 9 191 | 7 284 | 48 650 | 77 792 | 78 761 | 58 479 | 12 718 | 23 010 | −16 275 | −6 740 | 10 960 | 3 804 |
| Tax | 1 885 | 3 425 | 2 583 | 1 981 | 13 136 | 19 582 | 19 016 | 13 376 | 2 532 | 5 421 | −3 841 | −1 837 | 2 495 | 845 |
| Net profit | 5 816 | 8 801 | 6 608 | 5 303 | 35 514 | 58 210 | 59 744 | 45 103 | 10 187 | 17 589 | −12 434 | −4 903 | 8 466 | 2 959 |
| Item | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 5 243 | 16 020 | 14 387 | 19 116 | 57 388 | 98 057 | 158 447 | 197 118 | 195 732 | 223 066 | 208 998 | 209 690 | 223 669 | 234 493 |
| Equity | 2 176 | 137 | 100 | 100 | 101 | 9 969 | 20 337 | 64 684 | 74 056 | 93 929 | 84 392 | 84 025 | 94 940 | 97 935 |
| Long-term debt | 0 | 6 | 4 | 0 | 0 | 11 220 | 61 380 | 110 580 | 117 052 | 121 450 | 120 137 | 120 527 | 127 235 | 134 742 |
| Short-term debt | 3 063 | 15 877 | 14 283 | 19 016 | 57 287 | 76 868 | 76 730 | 21 855 | 4 624 | 7 687 | 4 469 | 5 139 | 1 495 | 1 816 |
| Total debt | 3 067 | 15 883 | 14 287 | 19 016 | 57 287 | 88 088 | 138 110 | 132 434 | 121 676 | 129 137 | 124 607 | 125 665 | 128 729 | 136 558 |
EBITDA margin
26.5%
This company
15.8%
Market median
+68% vs market
20112024
Equity ratio
41.8%
This company
38.2%
Market median
+9% vs market
20112024
Return on equity
3.0%
This company
18.4%
Market median
-84% vs market
20112024
Net profit margin
33.7%
This company
8.1%
Market median
+316% vs market
20112024
Asset turnover
0.04×
This company
1.12×
Market median
-96% vs market
20112024
Debt / equity
1.39×
This company
0.62×
Market median
-124% vs market
20112024
- 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
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
AC Chief Executive Officer | Chief Executive Officer | 2023 | — | — |
ES Chief Executive Officer | Chief Executive Officer | 2021 | — | — |
| Name | Role | Member since | Age | Other directorships |
|---|---|---|---|---|
| Board of Directors | 2020 | — | — | |
| Board of Directors | 2024 | — | — | |
| Chairman | 2022 | — | — | |
| Chairman | 2025 | — | — | |
| Chairman | 2020 | — | — | |
| Board of Directors | 2024 | — | — | |
| Board of Directors | 2025 | — | — | |
| Board of Directors | 2021 | — | — | |
| Board of Directors | 2023 | — | — | |
| Chairman | 2024 | — | — |
| Shareholder | Type | Ownership | Votes | Since |
|---|---|---|---|---|
| Individual | 100.0% | 100.0% | 2022 | |
Ceratiidae Norway As | Company | 100.0% | 100.0% | 2024 |
Beneficial ownership (UBO) data access is restricted in Denmark as of September 2025 per the EU 6th AML Directive. Learn more.
Ceratiidae Norway As
ZMARTA AS Board members of ZMARTA AS also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Anna Catharina Skommevik | Chief Executive Officer | 0 companies |
| Even Sand | Chief Executive Officer | 0 companies |
| Carl Agne Arnesson | Board of Directors | 0 companies |
| Anna Margareta Wirén | Board of Directors | 0 companies |
| Morten Heuing | Chairman | 0 companies |
| Jostein Christian Dalland | Chairman | 0 companies |
| Gustav Erik Ray Berghog | Chairman | 0 companies |
| Malin Kristina Holmqvist Önnby | Board of Directors | 0 companies |
| Sverre Andre Wallem-Mehn | Board of Directors | 0 companies |
| Anne Josefine Charlotte Colliander | Board of Directors | 0 companies |
| Elsa Louise Helena Berg Bjärtun | Board of Directors | 0 companies |
| Matthias Lenz | Chairman | 0 companies |