Unique AS
Score · fiscal year 2025
51of 100
How to read this: the company is ahead of 50 % of companies in the Morning class Micro in the same sector in 2025. What does this mean?
Rank in the Morning class Micro: 103 of 207 · What are Morning company classes?
Place in the whole sector: 183 of 392 · Finans og forsikring
Profile
Beaver · Builder
Lower profitability, lower solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 50 and solidity 46 out of 100 among companies in the Morning class Micro in the same sector in 2025. Methodology
Against the sector
Unique AS is at the median for companies in the Morning class Micro in the same sector in 2025.
Median score 51 among 207 companies.
Against companies in the Morning class Micro in the same sector in 2025: operating margin 86.8% (median 82.0%) and equity ratio 90.0% (median 91.8%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 4 MNOK | 2 MNOK |
| Operating margin | 86.8% | 82.0% |
| Profit margin | 86.9% | 82.6% |
| Return on assets | 10.6% | 13.8% |
| Equity ratio | 90.0% | 91.8% |
| Debt-to-equity | 0.11 | 0.08 |
| Current ratio | 10.00 | 9.52 |
| Revenue growth | 6.3% | 7.6% |
The median and “ahead of” refer to companies in the Morning class Micro in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 51, Unique AS does better than 50% of companies in the Morning class Micro in the same sector (207 companies) in 2025.
Score 2023–2025
- Unique AS
- Median: companies in the Morning class Micro in the same sector
Unique AS has a score of 51 for 2025, rank 183 of 392 in the sector.
Strongest: Consistency: percentile 64 against peers.
No area is clearly below its peers.
Worth a closer look
- The change in operating margin in 2025 was 1.6 percentage points better than for comparable companies: the company +3.1, the industry +1.5 points. That is the company's own, not something that hit the whole industry.
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
The industry or the company: what drove the result?
In 2025 the operating margin of Unique AS rose by 3.1 percentage points. Comparable companies rose by a median 1.5 points. So the company did 1.6 points better than the industry, for reasons of its own.
Over 2 year-to-year changes Unique AS moved the same way as comparable companies 1 times. About 37% of the changes in operating margin were common to the industry; the rest was the company's own.
| Year | The company | Comparable (median) | Change, company | Change, industry | The company's own |
|---|---|---|---|---|---|
| 2024 | 83.6% | 80.5% | −6.9 percentage points | +7.8 percentage points | −14.7 percentage points |
| 2025 | 86.8% | 82.0% | +3.1 percentage points | +1.5 percentage points | +1.6 percentage points |
Comparable companies are those in the same industry and Morning company class. Their change shows what hit the whole industry, the sector drivers below included. The rest is the company's own: contracts, costs, one-off items or operations. The share is approximate, and we claim no cause.
The company and its sector's drivers
Prices, rate and currency that shape the sector's year, year by year beside the operating margin of Unique AS. The figures stand side by side; we claim no cause.
Policy rate (prosent)
Policy rate fell 0.20 percentage points in 2025; the operating margin of Unique AS rose 3.1 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Policy rate, annual average | 0.08 | 1.32 | 3.54 | 4.50 | 4.30 | 4.17 (so far) |
| Change from the year before | −0.28 percentage points | +1.24 percentage points | +2.22 percentage points | +0.96 percentage points | −0.20 percentage points | −0.12 percentage points |
| The company's operating margin | – | – | 90.5% | 83.6% | 86.8% | – |
Source: Norges Bank (IR, NLOD 2.0). Source
Consumer price index (indeks (2025 = 100))
Consumer price index rose 3.0% in 2025; the operating margin of Unique AS rose 3.1 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Consumer price index, annual average | 84.3 | 89.2 | 94.1 | 97.0 | 100.0 | 102.9 (so far) |
| Change from the year before | +3.5% | +5.8% | +5.5% | +3.2% | +3.0% | +2.9% |
| The company's operating margin | – | – | 90.5% | 83.6% | 86.8% | – |
Source: SSB (14710, CC BY 4.0). Source
Wage index: financial services (indeks)
Wage index: financial services rose 4.6% in 2025; the operating margin of Unique AS rose 3.1 percentage points.
| Measure | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Wage index: financial services, annual average | 87.1 | 90.4 | 94.2 | 98.9 | 103.5 | 107.3 (so far) |
| Change from the year before | +2.9% | +3.8% | +4.1% | +5.0% | +4.6% | +3.7% |
| The company's operating margin | – | – | 90.5% | 83.6% | 86.8% | – |
Source: SSB (12314, CC BY 4.0). Source
We show the drivers and the margin side by side and claim no cause. Sensitivity per company is not computed until we have at least 10 years of accounts per company: with three years such figures are false precision.
What the numbers say
Unique AS had an operating margin of 86.8% and an equity ratio of 90.0% in 2025, and ranks 183 of 392 in Finans og forsikring.
From 2024 to 2025: the operating margin rose from 83.6% to 86.8%.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 16 MNOK and 23 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 12.3 | 23 MNOK |
| EV/EBIT | – | not used in the sector |
| P/B | 1.2 | 16 MNOK |
The listed basis is the value at listed multiples. The estimate is lowered by 51% for an unlisted company: 20% for lack of marketability and 38% for size (a small-company premium of 4% on the cost of equity).
A mechanical estimate from public accounts, not advice. A mechanical estimate from public accounts with listed multiples and fixed adjustments. Not a valuation and not advice to buy or sell. See the calculation
Worth a closer look
No rules were triggered for this year.
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 1.6% of the debt in 2025. The policy rate averaged 4.30 % the same year. This is a plain description of what the debt cost, not a model of interest sensitivity.
See interest rates, prices and exchange rates for the sector
Data quality
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2026, the sector's weakest year, for this company.
The sector's weakest year was 2026, with a median operating margin of −13.5%. Based on the 6 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 50 | weight 30% |
|---|---|---|
| Solidity | 46 | weight 25% |
| Liquidity | 52 | weight 15% |
| Growth | 49 | weight 15% |
| Consistency | 64 | weight 15% |
Durability: 46 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Unique AS?
The operating margin was 86.8% in 2025, against a median of 82.0% among companies in the Morning class Micro in the same sector. Return on assets was 10.6%.
How solid is Unique AS?
The equity ratio was 90.0% in 2025 (median 91.8%). Debt-to-equity was 0.11 (median 0.08).
What is the liquidity of Unique AS like?
The current ratio was 10.00 in 2025 (median 9.52).
How does Unique AS compare in Finans og forsikring?
Unique AS ranks 183 of 392 in Finans og forsikring for 2025. Among companies in the Morning class Micro it is number 103 of 207. Revenue changed by 6.3% from the year before.
From the Central Coordinating Register
- Org. no.
- 884801362
- Legal form
- AS
- Sector
- Finans og forsikring (64.323)
- Morning company class
- Micro
- Employees
- 0–4 (not registered)
- Founded
- 21 August 2002 24 years in operation
- Share capital
- 8.72 MNOK
- Business address
- c/o Formuesforvaltning, Henrik Ibsens gate 53, 0255 OSLO
- Municipality
- Oslo rank 63–220 of 357 in Norway
- Latest accounts filed
- 2025
Source: Central Coordinating Register, Brønnøysund Register Centre. The employee count is reported by the company and may be older than the accounts. See the company at the Brønnøysund Register Centre
Ownership and roles
Loading roles …
Source: Central Coordinating Register, fetched 2 November 2026. Only names are shown.
Shareholders (2025)
- Number of shareholders
- 8
- Largest owner
- 21.9% · top three 33.1%
- Split
- companies 26% · private persons 24% · foreign 0%
- Owned from the same municipality
- 77%
- Owners over 60
- 95% of the shares held by persons (median age 93)
- Benedikte Invest AS · 11.3%
- Calle Holding AS · 11.3%
- Alexander Ferner Holdning AS · 11.3%
- Cathrine Invest AS · 8.7%
- Spoiled AS · 8.7%
- 3 private persons · 24.4%
Change 2007–2025: no material change in the owners.
The owners' shares do not add up to the company's total number of shares in the source.
Source: the Norwegian Tax Administration's shareholder register as of 2025. Figures may be older than today's ownership. Private persons are not shown by name.
Error in the data?
Do you see an error in the figures or in how the company is mapped (sector, holding, group)? Let us know. Corrections require documentation.
Figures last fetched 30 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 45 | 44 | 51 | |
| Rank | 209 | 241 | 183 | |
| Operating margin | 90.5% | 83.6% | 86.8% | |
| Return on assets | 12.4% | 8.0% | 10.6% | |
| Equity ratio | 73.1% | 86.9% | 90.0% | |
| Current ratio | 3.71 | 7.65 | 10.00 | |
| Revenue growth | – | −41.1% | 6.3% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 5.9 MNOK | 3.5 MNOK | 3.7 MNOK |
| Operating profit | 5.4 MNOK | 2.9 MNOK | 3.2 MNOK |
| Profit before tax | 5.4 MNOK | 2.8 MNOK | 3.2 MNOK |
| Tax expense | 0.0 MNOK | 0.0 MNOK | 0.0 MNOK |
| Net profit | 5.4 MNOK | 2.8 MNOK | 3.2 MNOK |
| Financial expenses | 0.1 MNOK | 0.1 MNOK | 0.1 MNOK |
| Total assets | 44.0 MNOK | 36.8 MNOK | 31.0 MNOK |
| Current assets | 44.0 MNOK | 36.8 MNOK | 31.0 MNOK |
| Equity | 32.2 MNOK | 32.0 MNOK | 27.9 MNOK |
| Retained earnings | 23.3 MNOK | 23.1 MNOK | 19.0 MNOK |
| Total liabilities | 11.8 MNOK | 4.8 MNOK | 3.1 MNOK |
| Current liabilities | 11.8 MNOK | 4.8 MNOK | 3.1 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 30 October 2026, accounts id 7033766.
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