Obos Factoring AS
ASActiveOrg 912226980Standardveien 1, 0581 OsloOther credit granting· NACE 6492Est. 2013 · 13 years old1-4 employees
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Overview
Obos Factoring AS is a Norwegian AS based in Oslo, operating in the Other credit granting sector. Incorporated in 2013, the company reported revenue of NOK 32.9m in its latest annual filing.
Revenue 2025
32.9M NOK
+9% vs 2024
EBITDA margin
85.8 %
+8% vs 2024
Net profit 2025
31.2M NOK
+6% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
57.5 %
StrongAmong the 40% highest rated companies in the industry
20212025
Liquidity ratioCurrent assets ÷ Short-term debt
0.0×
20212025
Return on assets (ROA)Net profit ÷ Total assets × 100
7.6 %
AverageAround the average of companies in the same industry
20212025
EBITDA — year on year
NOK millionsKey figures
Annual report 2025| Revenue | 32.9M NOK | +9% |
| EBITDA | 28.2M NOK | +8% |
| Net profit | 31.2M NOK | +6% |
| Total assets | 410.5M NOK | +10% |
| Equity | 236.2M NOK | 0% |
| Employees | — | — |
Company information
Legal name
OBOS FACTORING AS
Org number
912226980
Legal form
Aksjeselskap
NACE code
6492 · Other credit granting
Founded
8 July 2013 · 13 years
Share capital
NOK 50,940,000
Employees
1-4
VAT registered
Yes
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Styrets leder og ett styremedlem i fellesskap.
Company purpose
Oppkjøp og inndriving av forfalte pengekrav for egen regning.
(no translation available)
Address
Standardveien 1, 0581 Oslo
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Financial development
In its most recent annual report (2025), Obos Factoring AS reported revenue of NOK 32.9m, an increase of 9% on the year before. The figures on this page draw on 5 annual filings covering 2021 to 2025. The bottom line showed a net profit of NOK 31.2m, and the EBITDA margin stood at 85.8%.
At the end of 2025, equity financed 57.5% of the balance sheet.
Financials
Revenue
NOK millionsEBITDA
NOK millionsIncome statement
NOK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 32,877 | 30,164 | 17,598 | 16,439 | 17,225 |
| Staff expenses | -3,532 | -2,846 | -2,215 | -2,054 | -2,007 |
| EBITDA | 28,216 | 26,177 | 14,285 | 13,310 | 14,098 |
| Depreciation & amort. | -0 | -0 | -0 | -0 | -0 |
| EBIT | 28,216 | 26,177 | 14,285 | 13,310 | 14,098 |
| Net financials | 2,991 | 3,357 | 2,896 | 1,566 | 1,490 |
| Profit before tax | 31,207 | 29,533 | 17,180 | 14,875 | 15,588 |
| Tax | -0 | -0 | -0 | -0 | -0 |
| Net profit | 31,207 | 29,533 | 17,180 | 14,875 | 15,588 |
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Balance sheet
NOK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total assets | 410,459 | 374,642 | 306,816 | 240,687 | 201,104 |
| Equity | 236,184 | 235,983 | 194,455 | 156,666 | 131,821 |
| Long-term debt | 0 | 0 | 0 | 0 | 0 |
| Short-term debt | 0 | 0 | 0 | 0 | 0 |
| Total debt | 174,275 | 138,659 | 112,361 | 84,022 | 69,283 |
Financial ratios
5-year trendEBITDA margin
85.8 %
20212025
Equity ratio
57.5 %
StrongAmong the 40% highest rated companies in the industry
20212025
Return on equity
13.2 %
AverageAround the average of companies in the same industry
20212025
Net profit margin
94.9 %
Very strongAmong the 20% highest rated companies in the industry
20212025
Asset turnover
0.08×
AverageAround the average of companies in the same industry
20212025
Debt / equity
0.74×
StrongAmong the 40% highest rated companies in the industry
20212025
Sector performance
19 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Gross marginVery weak
Among the 20% lowest rated companies in the industry
The gross result as a share of revenue — how much of the revenue is left after variable costs to cover the company's fixed costs.
Operating marginVery strong
Among the 10% highest rated companies in the industry
EBIT as a share of revenue — the share of revenue remaining as earnings once all operating costs are covered. A key measure of earning power.
Net profit marginVery strong
Among the 20% highest rated companies in the industry
The profit for the year as a share of revenue — the company's ability to turn revenue into profit.
Return on equity (ROE)Average
Around the average of companies in the same industry
Net profit as a percentage of equity — the return the owners earned on their invested capital this year.
Return on assets (ROA)Average
Around the average of companies in the same industry
Net profit as a percentage of total assets — the return generated on the capital employed.
Return on net assets (RONA)Average
Around the average of companies in the same industry
Profit relative to net assets (total assets minus total debt) — the ability to generate earnings from the net asset base alone.
Basic earning power (BEP)Strong
Among the 40% highest rated companies in the industry
EBIT relative to total assets — the company's earning power before the effects of tax and financial leverage.
Capacity ratioVery strong
Among the 10% highest rated companies in the industry
Shows how strongly fixed costs weigh on the gross result — a high ratio means fixed costs take only a small bite out of the earnings from basic operations.
Liquidity
Current assets to equityVery strong
Among the 10% highest rated companies in the industry
Current assets relative to equity — an indicator of the balance-sheet structure and of the company's short- and long-term financing. The healthy level is highly industry-dependent.
Cash conversion ratioWeak
Among the 40% lowest rated companies in the industry
Cash flow relative to profit — the ability to convert reported profits into accessible cash.
Current ratioNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Current assets relative to short-term debt — the ability to settle short-term obligations with current assets alone. Around 150% is considered satisfactory from a credit perspective.
Quick ratioNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Current assets excluding inventory relative to short-term debt — whether the most liquid assets alone can cover the short-term obligations. A value of 1 or above signals a healthy liquidity position.
Cash ratioNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.
Fixed assets to long-term capitalNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Fixed assets relative to long-term capital (equity plus long-term liabilities). Below 100% means the long-term capital finances more than just the fixed assets — a healthier liquidity position.
Debt & solvency
Solidity ratioStrong
Among the 40% highest rated companies in the industry
Equity as a share of total assets — the ability to absorb losses. Around 40% is considered satisfactory from a credit perspective.
Debt ratioStrong
Among the 40% highest rated companies in the industry
Total debt relative to the balance-sheet total — the share of the assets financed by debt rather than equity.
Debt to equityStrong
Among the 40% highest rated companies in the industry
Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.
Income to debtAverage
Around the average of companies in the same industry
Profit relative to debt — the ability to create earnings while operating with debt.
EBITDA to debtAverage
Around the average of companies in the same industry
EBITDA relative to debt — how much operating earnings are available to service the debt.
Liabilities to equityNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.
Interest coverageNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
The ability to pay the interest on the company's debt out of its earnings.
Interest rate on debtNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.
Interest marginNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
The return on assets minus the interest rate on debt. Positive means the company benefits from operating with debt; negative means the debt makes it worse off.
Efficiency & development
Asset turnoverAverage
Around the average of companies in the same industry
Revenue relative to total assets — the ability to generate revenue from the asset base.
Equity to contributed capitalWeak
Among the 40% lowest rated companies in the industry
Total equity relative to the capital the owners contributed — how the equity has developed from its starting point.
One-year change in equityWeak
Among the 40% lowest rated companies in the industry
The size of this year's increase or decrease in the company's equity.
One-year change in debtWeak
Among the 40% lowest rated companies in the industry
The size of this year's increase or decrease in the company's debt.
Inventory turnoverNot rated
Cannot be graded — the figures this ratio builds on are not available in the latest filing.
Revenue relative to inventory — how many times a year the inventory is sold and replaced. A low value can indicate weak sales or excess inventory.
Annual reports & filings
- Annual report 2025Filed via Brønnøysundsregistrene · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via Brønnøysundsregistrene · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via Brønnøysundsregistrene · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via Brønnøysundsregistrene · Period 2022-01-01 – 2022-12-31
- Annual report 2021Filed via Brønnøysundsregistrene · Period 2021-01-01 – 2021-12-31
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
EM Chief Executive Officer | Chief Executive Officer | 2018 |
AM Deputy Member | Deputy Member | 2025 |
Former (2)
SS Deputy Member | Deputy Member | 2022 – 2024 |
CV Deputy Member | Deputy Member | 2021 – 2022 |
Board of directors
Non-executive oversight| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
TO Board of Directors | Board of Directors | 2024 |
AJ Board of Directors | Board of Directors | 2026 |
ØG Chairman | Chairman | 2025 |
SL Board of Directors | Board of Directors | 2024 |
Former (4)
AL Board of Directors | Board of Directors | 2021 – 2026 |
MA Chairman | Chairman | 2021 – 2025 |
KS Board of Directors | Board of Directors | 2021 – 2024 |
HR Board of Directors | Board of Directors | 2021 – 2026 |
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 100% | 100% | 2022 | |
| Company | 100% | 100% | 2020 |
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Related companies
Company hierarchy
Obos BBL
Obos Factoring AS Board network connections
Board members of Obos Factoring AS also hold positions in 118 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Anders Lægreid | Board of Directors | 45 companiesMany roles |
| Simen Leirgulen Ravndal | Board of Directors | 29 companiesMany roles |
| Sigurd Seierstad | Deputy Member | 10 companiesMany roles |
| Øistein Gamst Sandlie | Chairman | 8 companiesMany roles |
| Karine Storaker Braaten | Board of Directors | 8 companiesMany roles |
| Morten Aagenæs | Chairman | 6 companiesMany roles |
| Anita Johansen Vegsgaard | Board of Directors | 5 companies |
| Christine Vangbo Jæger | Deputy Member | 2 companies |
| Trude Olaussen | Board of Directors | 2 companies |
| Hilde Rannem Rostad | Board of Directors | 2 companies |
| Ellen Marie Indahl Randli | Chief Executive Officer | 1 company |
Frequently asked questions
What is the Org number of Obos Factoring AS?
Obos Factoring AS is registered with Brønnøysundsregistrene under Org 912226980.
What is the revenue of Obos Factoring AS?
Obos Factoring AS reported revenue of NOK 32.9m in 2025.
Who is the CEO of Obos Factoring AS?
Ellen Marie Indahl Randli is the CEO of Obos Factoring AS, in role since 2018.
Who is the chairman of Obos Factoring AS?
Øistein Gamst Sandlie chairs the board of Obos Factoring AS, in role since 2025.
Where is Obos Factoring AS headquartered?
Obos Factoring AS's registered address is Standardveien 1.