HAVILA FINANS AS
Score · fiscal year 2025
Not enough data: Revenue not reported
Based on the annual accounts for 2025
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating margin | – | 22.9% |
| Profit margin | – | 13.4% |
| Return on assets | 12.0% | 10.1% |
| Equity ratio | 0.2% | 36.2% |
| Debt-to-equity | 459.27 | 1.69 |
| Current ratio | 1.00 | 1.34 |
| Revenue growth | – | 2.4% |
The median and “ahead of” refer to companies in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
Score over time
Score over time needs at least two fiscal years with a score. It will appear when next year's figures are fetched or history is imported.
What the numbers say
HAVILA FINANS AS had an equity ratio of 0.2% in 2025. The company is not ranked: revenue not reported.
No large changes in the key figures from 2024 to 2025.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 1 MNOK and 6 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 6 MNOK |
| EV/EBIT | 8.0 | not meaningful |
| P/B | 1.0 | 1 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 0.2% (median 36.2%).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 11.9% 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.
Data quality
- watch Revenue not reported
- watch No revenue but large assets
Scenario analysis: the sector's weakest year
We have no accounts for 2022, the sector's weakest year, for this company.
The sector's weakest year was 2022, with a median operating margin of 5.1%. Based on the 7 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
Questions and answers
How profitable is HAVILA FINANS AS?
The operating margin was – in 2025, against a median of 22.9% among companies in the same sector. Return on assets was 12.0%.
How solid is HAVILA FINANS AS?
The equity ratio was 0.2% in 2025 (median 36.2%). Debt-to-equity was 459.27 (median 1.69).
What is the liquidity of HAVILA FINANS AS like?
The current ratio was 1.00 in 2025 (median 1.34).
From the Central Coordinating Register
- Org. no.
- 929601343
- Legal form
- AS
- Sector
- Sjøfart (50.102)
- Size tier
- medium
- Employees
- 0–4 (not registered)
- Founded
- 8 July 2022 4 years in operation
- Share capital
- 0.03 MNOK
- Business address
- Mjølstadnesvegen 24, 6092 FOSNAVÅG (HERØY)
- Municipality
- Herøy (Møre og Romsdal) rank 5–23 of 40 in KOSTRA group 1
- Latest accounts filed
- 2025
- LEI
- 8945002EJA98Q9X28B58 renews 28 November 2027
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
- Chair of the board
- Vegard Sævik
- Board member
- Njål Sævik
- Board member
- Hege Sævik Rabben
- Auditor
- PRICEWATERHOUSECOOPERS AS
Source: Central Coordinating Register, fetched 29 October 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 27 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | – | – | – | |
| Rank | – | – | – | |
| Operating margin | – | – | – | |
| Return on assets | 0.0% | 0.5% | 12.0% | |
| Equity ratio | 100.0% | 0.1% | 0.2% | |
| Current ratio | – | 1.40 | 1.00 | |
| Revenue growth | – | – | – |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | – | – | – |
| Operating profit | – | 0.0 MNOK | −0.3 MNOK |
| Profit before tax | 0.0 MNOK | 0.5 MNOK | 0.6 MNOK |
| Net profit | 0.0 MNOK | 0.5 MNOK | 0.6 MNOK |
| Financial expenses | – | 2.0 MNOK | 62.7 MNOK |
| Total assets | 0.0 MNOK | 532.3 MNOK | 526.8 MNOK |
| Current assets | 0.0 MNOK | 9.4 MNOK | 526.8 MNOK |
| Equity | 0.0 MNOK | 0.5 MNOK | 1.1 MNOK |
| Retained earnings | – | 0.5 MNOK | 1.1 MNOK |
| Total liabilities | 0.0 MNOK | 531.7 MNOK | 525.7 MNOK |
| Current liabilities | – | 6.7 MNOK | 525.7 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 27 October 2026, accounts id 6714848.