Iam Insurance AS
Score · fiscal year 2025
42of 100
How to read this: the company is ahead of 33 % of companies in the Morning class Small in the same sector in 2025. What does this mean?
Rank in the Morning class Small: 50 of 74 · What are Morning company classes?
Place in the whole sector: 267 of 387 · Finans og forsikring
Profile
Cheetah · Sprinter
High profitability, lower solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 67 and solidity 8 out of 100 among companies in the Morning class Small in the same sector in 2025. Methodology
Against the sector
Iam Insurance AS is 7 points below the median for companies in the Morning class Small in the same sector in 2025.
Median score 49 among 74 companies.
Against companies in the Morning class Small in the same sector in 2025: operating margin 20.8% (median 23.0%) and equity ratio 2.8% (median 49.8%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 24 MNOK | 21 MNOK |
| Operating margin | 20.8% | 23.0% |
| Profit margin | 22.7% | 23.7% |
| Return on assets | 49.8% | 21.9% |
| Equity ratio | 2.8% | 49.8% |
| Debt-to-equity | 35.27 | 0.97 |
| Current ratio | 1.02 | 1.77 |
| Revenue growth | 55.3% | 18.6% |
| Revenue per employee | 4.00 MNOK | 1.58 MNOK |
The median and “ahead of” refer to companies in the Morning class Small in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 42, Iam Insurance AS does better than 33% of companies in the Morning class Small in the same sector (74 companies) in 2025.
Score 2023–2025
- Iam Insurance AS
- Median: companies in the Morning class Small in the same sector
Iam Insurance AS has a score of 42 for 2025, rank 267 of 387 in the sector.
Strongest: Growth: percentile 72 against peers, revenue growth 55.3% against a median of 18.6%. Profitability: percentile 67 against peers, operating margin 20.8% against a median of 23.0%.
Weakest: Solidity: percentile 8 against peers, equity ratio 2.8% against a median of 49.8%. Liquidity: percentile 18 against peers, current ratio 1.02 against a median of 1.77.
Worth a closer look
- The equity ratio is very low. Could the company absorb a bad year, and does it need more equity? Based on: equity ratio 2.8% (median 49.8%).
- Strong growth with weak liquidity. Is the growth financed, or does it tie up capital the company does not have? Based on: revenue growth 55.3% (median 18.6%); current ratio 1.02 (median 1.77).
- What lies behind weak solidity, and will it last?
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
What the numbers say
Iam Insurance AS had an operating margin of 20.8% and an equity ratio of 2.8% in 2025, and ranks 267 of 387 in Finans og forsikring.
From 2024 to 2025: the operating margin rose from 1.0% to 20.8% and revenue grew by 55%.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 0 MNOK and 47 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 41 MNOK |
| EV/EBIT | 8.0 | 47 MNOK |
| P/B | 1.0 | 0 MNOK |
A mechanical estimate from public accounts, not advice. Mechanical estimate from public accounts with fixed multiples. Not a valuation and not advice to buy or sell. The multiples are provisional default values and must be adjusted per sector before the figures are used for anything. See the calculation
Worth a closer look
- watch
The equity ratio is very low. Could the company absorb a bad year, and does it need more equity?
Based on: Equity ratio 2.8% (median 49.8%).
- watch
Strong growth with weak liquidity. Is the growth financed, or does it tie up capital the company does not have?
Based on: Revenue growth 55.3% (median 18.6%); Current ratio 1.02 (median 1.77).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 0.7% 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 | 67 | weight 30% |
|---|---|---|
| Solidity | 8 | weight 25% |
| Liquidity | 18 | weight 15% |
| Growth | 72 | weight 15% |
| Consistency | 39 | weight 15% |
Durability: 33 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Iam Insurance AS?
The operating margin was 20.8% in 2025, against a median of 23.0% among companies in the Morning class Small in the same sector. Return on assets was 49.8%.
How solid is Iam Insurance AS?
The equity ratio was 2.8% in 2025 (median 49.8%). Debt-to-equity was 35.27 (median 0.97).
What is the liquidity of Iam Insurance AS like?
The current ratio was 1.02 in 2025 (median 1.77).
How does Iam Insurance AS compare in Finans og forsikring?
Iam Insurance AS ranks 267 of 387 in Finans og forsikring for 2025. Among companies in the Morning class Small it is number 50 of 74. Revenue changed by 55.3% from the year before.
From the Central Coordinating Register
- Org. no.
- 916914059
- Legal form
- AS
- Sector
- Finans og forsikring (66.220)
- Morning company class
- Small
- Employees
- 6 registered 10 September 2026
- Founded
- 2 March 2016 10 years in operation
- Share capital
- 0.03 MNOK
- Business address
- Rådhusgata 23B, 0158 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 1 November 2026. Only names are shown.
Owners and shareholdings will appear here once the shareholder data extract is in place.
Coming · not built yet
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 31 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 33 | 26 | 42 | |
| Rank | 273 | 327 | 267 | |
| Operating margin | 37.5% | 1.0% | 20.8% | |
| Return on assets | 49.2% | 13.4% | 49.8% | |
| Equity ratio | 1.5% | 9.0% | 2.8% | |
| Current ratio | 0.99 | 1.10 | 1.02 | |
| Revenue growth | – | −18.7% | 55.3% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 19.0 MNOK | 15.5 MNOK | 24.0 MNOK |
| Operating profit | 7.1 MNOK | 0.1 MNOK | 5.0 MNOK |
| Profit before tax | 7.5 MNOK | 0.7 MNOK | 5.5 MNOK |
| Net profit | 5.6 MNOK | 0.5 MNOK | 4.1 MNOK |
| Financial expenses | 0.2 MNOK | 0.2 MNOK | 0.1 MNOK |
| Total assets | 15.7 MNOK | 6.2 MNOK | 11.1 MNOK |
| Current assets | 15.3 MNOK | 6.2 MNOK | 11.1 MNOK |
| Equity | 0.2 MNOK | 0.6 MNOK | 0.3 MNOK |
| Retained earnings | 0.2 MNOK | 0.5 MNOK | 0.3 MNOK |
| Total liabilities | 15.5 MNOK | 5.6 MNOK | 10.8 MNOK |
| Current liabilities | 15.4 MNOK | 5.6 MNOK | 10.8 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 31 October 2026, accounts id 7204084.
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