STEINAR LØVBAK AS
Score · fiscal year 2025
37of 100
How to read this: the company is ahead of 28 % of companies in the Morning class Micro in the same sector in 2025. What does this mean?
Rank in the Morning class Micro: 9,273 of 12,961 · What are Morning company classes?
Place in the whole sector: 14,898 of 20,439 · Bygg og anlegg
Profile
Elephant · Steward
Lower profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 13 and solidity 57 out of 100 among companies in the Morning class Micro in the same sector in 2025. Methodology
Against the sector
STEINAR LØVBAK AS is 13 points below the median for companies in the Morning class Micro in the same sector in 2025.
Median score 50 among 12,954 companies.
Against companies in the Morning class Micro in the same sector in 2025: operating margin −7.4% (median 3.5%) and equity ratio 44.0% (median 33.1%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 4 MNOK | 3 MNOK |
| Operating margin | −7.4% | 3.5% |
| Profit margin | −7.4% | 3.0% |
| Return on assets | −24.1% | 7.8% |
| Equity ratio | 44.0% | 33.1% |
| Debt-to-equity | 1.27 | 1.41 |
| Current ratio | 1.36 | 1.42 |
| Revenue growth | −7.1% | 6.0% |
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 37, STEINAR LØVBAK AS does better than 28% of companies in the Morning class Micro in the same sector (12,961 companies) in 2025.
Score 2023–2025
- STEINAR LØVBAK AS
- Median: companies in the Morning class Micro in the same sector
STEINAR LØVBAK AS has a score of 37 for 2025, rank 14,898 of 20,439 in the sector.
Strongest: Solidity: percentile 57 against peers, equity ratio 44.0% against a median of 33.1%.
Weakest: Profitability: percentile 13 against peers, operating margin −7.4% against a median of 3.5%. Growth: percentile 32 against peers, revenue growth −7.1% against a median of 6.0%.
Worth a closer look
- The company made a loss before tax. Are these one-off items or a pattern? Based on: profit margin −7.4% (median 3.0%).
- The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors? Based on: operating margin −7.4% (median 3.5%).
- What lies behind weak profitability, and will it last?
- What lies behind weak growth, 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
STEINAR LØVBAK AS had an operating margin of −7.4% and an equity ratio of 44.0% in 2025, and ranks 14,898 of 20,439 in Bygg og anlegg.
From 2024 to 2025: the operating margin fell from −2.9% to −7.4% and the equity ratio fell from 53.9% to 44.0%.
This text is generated automatically from the 2025 accounts.
Three simple methods
One method gives a figure: 1 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | not meaningful |
| 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 company made a loss before tax. Are these one-off items or a pattern?
Based on: Profit margin −7.4% (median 3.0%).
- watch
The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors?
Based on: Operating margin −7.4% (median 3.5%).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 0.3% 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
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2021, the sector's weakest year, for this company.
The sector's weakest year was 2021, with a median operating margin of 1.8%. Based on the 10 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 13 | weight 30% |
|---|---|---|
| Solidity | 57 | weight 25% |
| Liquidity | 48 | weight 15% |
| Growth | 32 | weight 15% |
| Consistency | 47 | weight 15% |
Durability: 45 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is STEINAR LØVBAK AS?
The operating margin was −7.4% in 2025, against a median of 3.5% among companies in the Morning class Micro in the same sector. Return on assets was −24.1%. The company made a loss before tax.
How solid is STEINAR LØVBAK AS?
The equity ratio was 44.0% in 2025 (median 33.1%). Debt-to-equity was 1.27 (median 1.41).
What is the liquidity of STEINAR LØVBAK AS like?
The current ratio was 1.36 in 2025 (median 1.42).
How does STEINAR LØVBAK AS compare in Bygg og anlegg?
STEINAR LØVBAK AS ranks 14,898 of 20,439 in Bygg og anlegg for 2025. Among companies in the Morning class Micro it is number 9,273 of 12,961. Revenue changed by −7.1% from the year before.
From the Central Coordinating Register
- Org. no.
- 981109406
- Legal form
- AS
- Sector
- Bygg og anlegg (43.221)
- Morning company class
- Micro
- Employees
- 0–4 (not registered)
- Founded
- 31 August 1999 27 years in operation
- Share capital
- 0.10 MNOK
- Business address
- Minkholen 12, 2386 BRUMUNDDAL (RINGSAKER)
- Municipality
- Ringsaker rank 7–12 of 13 in KOSTRA group 10
- Audit
- Audit opted out from 13 September 2011
- 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
- Steinar Løvbak
- Chair of the board
- Steinar Løvbak
- Deputy member
- Norunn Eline Engeskaug
- Accountant
- VVS FINANS 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 | 50 | 47 | 37 | |
| Rank | 9,462 | 11,223 | 14,898 | |
| Operating margin | −4.1% | −2.9% | −7.4% | |
| Return on assets | −10.9% | −8.1% | −24.1% | |
| Equity ratio | 50.9% | 53.9% | 44.0% | |
| Current ratio | 1.83 | 1.81 | 1.36 | |
| Revenue growth | – | −0.9% | −7.1% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 4.8 MNOK | 4.8 MNOK | 4.4 MNOK |
| Operating profit | −0.2 MNOK | −0.1 MNOK | −0.3 MNOK |
| Profit before tax | −0.2 MNOK | −0.1 MNOK | −0.3 MNOK |
| Net profit | −0.2 MNOK | −0.1 MNOK | −0.3 MNOK |
| Financial expenses | 0.0 MNOK | 0.0 MNOK | 0.0 MNOK |
| Total assets | 1.9 MNOK | 1.6 MNOK | 1.3 MNOK |
| Current assets | 1.6 MNOK | 1.3 MNOK | 1.0 MNOK |
| Equity | 1.0 MNOK | 0.9 MNOK | 0.6 MNOK |
| Retained earnings | 0.9 MNOK | 0.8 MNOK | 0.5 MNOK |
| Total liabilities | 0.9 MNOK | 0.7 MNOK | 0.8 MNOK |
| Current liabilities | 0.9 MNOK | 0.7 MNOK | 0.8 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 28 October 2026, accounts id 6445491.
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