HARALD LØVAR AGENTUR AS
Score · fiscal year 2025
76of 100
How to read this: the company is ahead of 94 % of small companies in the same sector in 2025. What does this mean?
Rank: 2,180 of 38,671 · Handel
Profile
Lion · Leader
High profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 89 and solidity 72 out of 100 among small companies in the same sector in 2025. Methodology
Against the sector
HARALD LØVAR AGENTUR AS is 26 points above the median for small companies in the same sector in 2025.
Median score 50 among 36,111 companies.
Against small companies in the same sector in 2025: operating margin 31.6% (median 2.5%) and equity ratio 71.0% (median 38.3%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 4 MNOK | 3 MNOK |
| Operating margin | 31.6% | 2.5% |
| Profit margin | 35.9% | 2.2% |
| Return on assets | 28.2% | 4.0% |
| Equity ratio | 71.0% | 38.3% |
| Debt-to-equity | 0.41 | 0.99 |
| Current ratio | 3.45 | 1.70 |
| Revenue growth | 13.0% | 3.5% |
The median and “ahead of” refer to small companies in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 76, HARALD LØVAR AGENTUR AS does better than 94% of small companies in the same sector (36,580 companies) in 2025.
Score 2023–2025
- HARALD LØVAR AGENTUR AS
- Median: small companies in the same sector
HARALD LØVAR AGENTUR AS has a score of 76 for 2025, rank 2,180 of 38,671 in the sector.
Strongest: Profitability: percentile 89 against peers, operating margin 31.6% against a median of 2.5%. Liquidity: percentile 74 against peers, current ratio 3.45 against a median of 1.70.
No area is clearly below its peers.
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
HARALD LØVAR AGENTUR AS had an operating margin of 31.6% and an equity ratio of 71.0% in 2025, and ranks 2,180 of 38,671 in Handel.
From 2024 to 2025: the operating margin rose from 26.3% to 31.6% and the equity ratio fell from 80.0% to 71.0%.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 3 MNOK and 13 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 10 MNOK |
| EV/EBIT | 8.0 | 13 MNOK |
| P/B | 1.0 | 3 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
No rules were triggered for this year.
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Data quality
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2017, the sector's weakest year, for this company.
The sector's weakest year was 2017, with a median operating margin of −65.6%. Based on the 11 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 89 | weight 30% |
|---|---|---|
| Solidity | 72 | weight 25% |
| Liquidity | 74 | weight 15% |
| Growth | 69 | weight 15% |
| Consistency | 69 | weight 15% |
Durability: 78 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is HARALD LØVAR AGENTUR AS?
The operating margin was 31.6% in 2025, against a median of 2.5% among small companies in the same sector. Return on assets was 28.2%.
How solid is HARALD LØVAR AGENTUR AS?
The equity ratio was 71.0% in 2025 (median 38.3%). Debt-to-equity was 0.41 (median 0.99).
What is the liquidity of HARALD LØVAR AGENTUR AS like?
The current ratio was 3.45 in 2025 (median 1.70).
How does HARALD LØVAR AGENTUR AS compare in Handel?
HARALD LØVAR AGENTUR AS ranks 2,180 of 38,671 in Handel for 2025. Among companies of the same size (small companies) it ranks 2,055 of 36,580. Revenue changed by 13.0% from the year before.
From the Central Coordinating Register
- Org. no.
- 977060680
- Legal form
- AS
- Sector
- Handel (46.160)
- Size tier
- small
- Employees
- 0–4 (not registered)
- Founded
- 2 December 1996 29 years in operation
- Share capital
- 0.10 MNOK
- Business address
- Rom 4E - 01, Snarøyveien 30L, 1360 FORNEBU (BÆRUM)
- Municipality
- Bærum rank 1–5 of 11 in KOSTRA group 12
- Audit
- Audit opted out from 12 October 2024
- 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
- Chief executive
- Harald Løvar
- Chair of the board
- Harald Løvar
- Deputy member
- Elisabeth Løvar
- Accountant
- ECIT SERVICES 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 28 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 83 | 73 | 76 | |
| Rank | 1,565 | 3,427 | 2,180 | |
| Operating margin | 30.3% | 26.3% | 31.6% | |
| Return on assets | 41.2% | 26.5% | 28.2% | |
| Equity ratio | 72.4% | 80.0% | 71.0% | |
| Current ratio | 3.63 | 5.00 | 3.45 | |
| Revenue growth | – | −22.7% | 13.0% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 4.1 MNOK | 3.1 MNOK | 3.5 MNOK |
| Operating profit | 1.2 MNOK | 0.8 MNOK | 1.1 MNOK |
| Profit before tax | 1.3 MNOK | 1.0 MNOK | 1.3 MNOK |
| Net profit | 1.0 MNOK | 0.8 MNOK | 1.0 MNOK |
| Financial expenses | 0.0 MNOK | – | – |
| Total assets | 3.3 MNOK | 3.6 MNOK | 4.5 MNOK |
| Current assets | 3.3 MNOK | 3.6 MNOK | 4.5 MNOK |
| Equity | 2.4 MNOK | 2.9 MNOK | 3.2 MNOK |
| Retained earnings | 2.3 MNOK | 2.8 MNOK | 3.1 MNOK |
| Total liabilities | 0.9 MNOK | 0.7 MNOK | 1.3 MNOK |
| Current liabilities | 0.9 MNOK | 0.7 MNOK | 1.3 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 28 October 2026, accounts id 6790104.
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