Zero-Zero Kreditt AS
ASDissolvedOrg 915342310Stadionveien 21, 4632 Kristiansand SActivities of collection agencies and credit bureaus· NACE 8291Est. 2015 · 11 years old1-4 employees
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Overview
Zero-Zero Kreditt AS is a Norwegian AS based in Kristiansand S, operating in the Activities of collection agencies and credit bureaus sector. Incorporated in 2015, the company reported revenue of NOK 6.7m in its latest annual filing.
Revenue 2025
6.7M NOK
+52% vs 2024
EBITDA margin
32.4 %
+305% vs 2024
Net profit 2025
1.9M NOK
+248% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
73.1 %
StrongAmong the 30% highest rated companies in the industry
20212025
Liquidity ratioCurrent assets ÷ Short-term debt
3.7×
StrongAmong the 30% highest rated companies in the industry
20212025
Return on assets (ROA)Net profit ÷ Total assets × 100
58.9 %
Very strongAmong the 10% highest rated companies in the industry
20212025
EBITDA — year on year
NOK thousandsKey figures
Annual report 2025| Revenue | 6.7M NOK | +52% |
| EBITDA | 2.2M NOK | +305% |
| Net profit | 1.9M NOK | +248% |
| Total assets | 3.2M NOK | +139% |
| Equity | 2.4M NOK | +413% |
| Employees | — | — |
Company information
Legal name
ZERO-ZERO KREDITT AS
Org number
915342310
Legal form
Aksjeselskap
NACE code
Founded
8 April 2015 · 11 years
Share capital
NOK 226,125
Employees
1-4
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Styrets leder og ett styremedlem i fellesskap.
Company purpose
Fakturering, inndriving, inkasso og kredittopplysningsvirksomhet, samt andre produkter/tjenester som naturlig hører til dette, herunder å delta i andre selskap med liknende virksomhet, og kjøp og salg av aksjer eller på annen måte gjøre seg interessert i andre foretak.
(no translation available)
Address
Stadionveien 21, 4632 Kristiansand S
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Financial development
In its most recent annual report (2025), Zero-Zero Kreditt AS reported revenue of NOK 6.7m, an increase of 52% 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 1.9m, and the EBITDA margin stood at 32.4%.
At the end of 2025, equity financed 73.1% of the balance sheet, and current assets covered short-term debt 3.7 times.
Financials
Revenue
NOK thousandsEBITDA
NOK thousandsIncome statement
NOK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 6,681 | 4,395 | 1,463 | 269 | 631 |
| Staff expenses | -2,356 | -2,091 | -965 | -0 | -0 |
| EBITDA | 2,165 | 534 | -511 | -231 | 83 |
| Depreciation & amort. | -0 | -0 | -0 | -0 | -0 |
| EBIT | 2,165 | 534 | -511 | -231 | 83 |
| Net financials | 53 | 15 | 3 | 0 | 2 |
| Profit before tax | 2,218 | 549 | -508 | -231 | 85 |
| Tax | 305 | -0 | -0 | -0 | -0 |
| Net profit | 1,913 | 549 | -508 | -231 | 85 |
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Balance sheet
NOK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total assets | 3,250 | 1,361 | 418 | 134 | 344 |
| Equity | 2,376 | 463 | 214 | 10 | 241 |
| Long-term debt | 0 | 0 | 0 | 0 | 0 |
| Short-term debt | 874 | 898 | 204 | 124 | 104 |
| Total debt | 874 | 898 | 204 | 124 | 104 |
Financial ratios
5-year trendEBITDA margin
32.4 %
20212025
Equity ratio
73.1 %
StrongAmong the 30% highest rated companies in the industry
20212025
Return on equity
80.5 %
Very strongAmong the 20% highest rated companies in the industry
20212025
Net profit margin
28.6 %
Very strongAmong the 20% highest rated companies in the industry
20212025
Asset turnover
2.06×
StrongAmong the 40% highest rated companies in the industry
20212025
Debt / equity
0.37×
StrongAmong the 30% highest rated companies in the industry
20212025
Sector performance
26 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Gross marginAverage
Around the average of companies in the same 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 20% 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)Very strong
Among the 20% highest rated companies in the industry
Net profit as a percentage of equity — the return the owners earned on their invested capital this year.
Return on assets (ROA)Very strong
Among the 10% highest rated companies in the industry
Net profit as a percentage of total assets — the return generated on the capital employed.
Return on net assets (RONA)Very strong
Among the 20% highest rated companies in the 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)Very strong
Among the 10% 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 20% 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 ratioStrong
Among the 30% highest rated companies in the industry
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 ratioStrong
Among the 30% highest rated companies in the industry
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 ratioVery strong
Among the 20% highest rated companies in the industry
Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.
Current assets to equityAverage
Around the average of companies in the same 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 ratioAverage
Around the average of companies in the same industry
Cash flow relative to profit — the ability to convert reported profits into accessible cash.
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 30% 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 30% 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 30% highest rated companies in the industry
Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.
Liabilities to equityStrong
Among the 40% highest rated companies in the industry
Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.
Income to debtVery strong
Among the 10% highest rated companies in the industry
Profit relative to debt — the ability to create earnings while operating with debt.
EBITDA to debtVery strong
Among the 10% highest rated companies in the industry
EBITDA relative to debt — how much operating earnings are available to service the debt.
Interest coverageVery strong
Among the 10% highest rated companies in the industry
The ability to pay the interest on the company's debt out of its earnings.
Interest rate on debtStrong
Among the 30% highest rated companies in the industry
Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.
Interest marginVery strong
Among the 10% highest rated companies in the industry
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 turnoverStrong
Among the 40% highest rated companies in the industry
Revenue relative to total assets — the ability to generate revenue from the asset base.
Equity to contributed capitalStrong
Among the 40% highest 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 equityVery strong
Among the 10% highest rated companies in the industry
The size of this year's increase or decrease in the company's equity.
One-year change in debtAverage
Around the average of companies in the same 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 (1) | ||
RM Chief Executive Officer | Chief Executive Officer | 2023 |
Former (2)
JS Chief Executive Officer | Chief Executive Officer | 2015 – 2023 |
TN Chief Executive Officer | Chief Executive Officer | 2023 – 2023 |
Board of directors
Non-executive oversight| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
RM Board of Directors | Board of Directors | 2024 |
FO Chairman | Chairman | 2024 |
KM Board of Directors | Board of Directors | 2024 |
GG Board of Directors | Board of Directors | 2024 |
Former (4)
JS Board of Directors | Board of Directors | 2021 – 2023 |
TT Chairman | Chairman | 2023 – 2024 |
VT Board of Directors | Board of Directors | 2023 – 2023 |
AL Chairman | Chairman | 2021 – 2023 |
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 100% | 100% | 2025 | |
| Company | 25.07% | 25.07% | 2023 | |
| Company | 73.33% | 73.33% | 2020 | |
| Company | 25.07% | 25.07% | 2024 | |
| Company | 24.98% | 24.98% | 2023 | |
| Company | 24.98% | 24.98% | 2023 | |
| Company | 24.98% | 24.98% | 2023 | |
Jan Y June Sitt Sl | Company | 26.67% | 26.67% | 2020 |
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Company hierarchy
Oflow As100%2ndbeauty.No As25.07%Elivery As73.33%Remake It As25.07%Uvår As24.98%Geir Grindland Invest As24.98%Mero Investor As24.98%Jan Y June Sitt Sl26.67%
Zero-Zero Kreditt AS (this company)Board network connections
Board members of Zero-Zero Kreditt AS also hold positions in 97 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Roger Mellemstrand | Chief Executive Officer | 41 companiesMany roles |
| Fredrik Olaf Engenes | Chairman | 31 companiesMany roles |
| Thomas Thorsen | Chairman | 8 companiesMany roles |
| Kai Magne Nerås | Board of Directors | 6 companiesMany roles |
| Geir Grindland | Board of Directors | 5 companies |
| Victoria Thorsen | Board of Directors | 3 companies |
| Anette Lien Davidsen | Chairman | 3 companies |
Frequently asked questions
What is the Org number of Zero-Zero Kreditt AS?
Zero-Zero Kreditt AS is registered with Brønnøysundsregistrene under Org 915342310.
What is the revenue of Zero-Zero Kreditt AS?
Zero-Zero Kreditt AS reported revenue of NOK 6.7m in 2025.
Who is the CEO of Zero-Zero Kreditt AS?
Roger Mellemstrand is the CEO of Zero-Zero Kreditt AS, in role since 2023.
Who is the chairman of Zero-Zero Kreditt AS?
Fredrik Olaf Engenes chairs the board of Zero-Zero Kreditt AS, in role since 2024.
Where is Zero-Zero Kreditt AS headquartered?
Zero-Zero Kreditt AS's registered address is Stadionveien 21.