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PEN UNDERWRITING EUROPE AS
AS
Active
Org 988494534
Inger Bang Lunds Vei 4, 5059
Bergen
Activities of insurance agents and brokers
· NACE 6622
Est. 2005
14 employees
www.fender.no
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Norway
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Activities of insurance agents and brokers
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PEN UNDERWRITING EUROPE AS
Overview
Financials
People & ownership
Related companies
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Financials
Revenue
NOK millions
0M
14M
27M
41M
54M
22M
2020
30M
2021
42M
2022
47M
2023
34M
2024
EBITDA
NOK millions
0M
2M
5M
7M
9M
3M
2020
5M
2021
8M
2022
3M
2023
-7M
2024
Income statement
NOK thousands
Item
2020
2021
2022
2023
2024
Revenue
22 301
30 083
42 282
46 859
33 835
Staff expenses
−13 292
−16 599
−23 761
−0
−0
EBITDA
3 401
5 049
7 605
3 481
−7 488
Depreciation & amort.
−406
−281
−419
−203
−789
EBIT
2 995
4 769
7 186
3 277
−8 278
Net financials
369
−49
−2 574
300
1 986
Profit before tax
3 364
4 719
4 612
3 578
−6 292
Tax
717
1 194
1 815
−0
−0
Net profit
2 118
2 648
2 372
2 824
−8 136
Balance sheet
NOK thousands
Item
2020
2021
2022
2023
2024
Total assets
13 052
19 775
25 976
23 995
19 357
Equity
7 412
12 470
15 973
10 011
1 875
Long-term debt
572
0
0
7 938
7 942
Short-term debt
4 768
7 305
10 003
6 046
9 541
Total debt
5 340
7 305
10 003
13 984
17 482
Financial ratios
5-year trend
EBITDA margin
-22.1%
This company
15.8%
Market median
-240% vs market
2020
2024
Equity ratio
9.7%
This company
38.2%
Market median
-75% vs market
2020
2024
Return on equity
-433.9%
This company
18.4%
Market median
-2458% vs market
2020
2024
Net profit margin
-24.0%
This company
8.1%
Market median
-396% vs market
2020
2024
Asset turnover
1.75×
This company
1.12×
Market median
+56% vs market
2020
2024
Debt / equity
9.32×
This company
0.62×
Market median
-1403% vs market
2020
2024
Annual reports & filings
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
Annual report 2020
Filed via Brønnøysundsregistrene · Period 2020-01-01 – 2020-12-31
View
PDF
More on PEN UNDERWRITING EUROPE AS
Overview →
Headline figures, risk assessment and company summary
People & ownership →
Management, board and shareholder breakdown
Related companies →
Corporate hierarchy, parent and subsidiary network
