FirmaIQ
Org.nr 992 621 648 2014 → 2015 Year-over-year analysis

AGS FORSIKRING AS: årsregnskap 2015 vs 2014

Shrank 8% on revenue, stronger earnings, cash halved-plus

approved 2016-05-27; registry 2016-06-13; journal 2016 508152

Full company analysis · All year comparisons

Summary

What changed

Comparing Årsregnskap 2015 with 2014 for AGS FORSIKRING AS. Revenue 6.15m NOK → 5.65m NOK (-8.1%). Net result +278.6k NOK → +616.6k NOK. Equity 1.70m NOK → 2.32m NOK.

On the constructive side: net result improved; equity strengthened; payroll decreased. Pressures included: revenue fell; cash fell.

Mixed year — gains and pressures both show up.

At a glance

Scorecard

Revenue
6.15m NOK 5.65m NOK
-8.1%
Net result
+278.6k NOK +616.6k NOK
+121.3%
Equity
1.70m NOK 2.32m NOK
+36.2%
Cash
1.34m NOK 619.2k NOK
-53.8%
Total assets
2.40m NOK 3.14m NOK
+31.1%

What improved

  • ↑

    Net result improved

    Net result +278.6k NOK → +616.6k NOK (net margin 4.5% → 10.9%). Calculated

  • ↑

    Equity strengthened

    Book equity 1.70m NOK → 2.32m NOK (equity ratio 71.0% → 73.8%). Calculated

  • ↑

    Payroll decreased

    Salary cost 3.84m NOK → 2.85m NOK (62% → 50% of revenue). Calculated

What deteriorated

  • ↓

    Revenue fell

    Operating income / revenue moved from 6.15m NOK to 5.65m NOK (-8.1% YoY). Calculated

  • ↓

    Cash fell

    Bank deposits 1.34m NOK → 619.2k NOK (-53.8% YoY). Calculated