Consector AB
ABActiveOrg 5569614216Narvavägen 12, 115 22 StockholmOther activities auxiliary to financial services, except insurance and pension funding· NACE 6619Est. 2014 · 12 years old24 employees
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Overview
Consector AB is a Swedish AB based in Stockholm, operating in the Other activities auxiliary to financial services, except insurance and pension funding sector. Incorporated in 2014, the company has 24 employees and reported revenue of SEK 28.4m in its latest annual filing.
Revenue 2025
28.4M SEK
+5% vs 2024
EBITDA margin
20.5 %
+755% vs 2024
Net profit 2025
1.5M SEK
+148% vs 2024
Key ratios
See full ratios →Solidity ratioEquity ÷ Total assets × 100
51.1 %
WeakAmong the 30% lowest rated companies in the industry
20212025
Liquidity ratioCurrent assets ÷ Short-term debt
1.1×
WeakAmong the 30% lowest rated companies in the industry
20212025
Return on assets (ROA)Net profit ÷ Total assets × 100
12.6 %
StrongAmong the 30% highest rated companies in the industry
20212025
EBITDA — year on year
SEK thousandsKey figures
Annual report 2025| Revenue | 28.4M SEK | +5% |
| EBITDA | 5.8M SEK | +755% |
| Net profit | 1.5M SEK | +148% |
| Total assets | 11.5M SEK | -16% |
| Equity | 5.9M SEK | +101% |
| Employees | 24 | — |
Company information
Legal name
Consector AB
Org number
5569614216
Legal form
Aktiebolag
NACE code
Founded
10 February 2014 · 12 years
Share capital
SEK 306,680
Employees
24 (FTE)
VAT registered
Yes
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Firman tecknas av styrelsen Firman tecknas ensam av Holgersson Wahlby, Pontus Mikael
Company purpose
Aktiebolaget ska bedriva verksamhet avseende förmedling av bostadskrediter samt andra lån och krediter till konsumenter och till andra fysiska och juridiska personer samt därmed förenlig verksamhet. Aktiebolaget ska också äga och förvalta fast och lös egendom samt bedriva därmed förenlig verksamhet.
(no translation available)
Contact
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Financial development
In its most recent annual report (2025), Consector AB reported revenue of SEK 28.4m, an increase of 5% 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 SEK 1.5m, and the EBITDA margin stood at 20.5%.
At the end of 2025, equity financed 51.1% of the balance sheet, and current assets covered short-term debt 1.1 times.
Financials
Revenue
SEK millionsEBITDA
SEK thousandsIncome statement
SEK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 28,410 | 26,961 | 30,759 | 40,024 | 43,596 |
| Staff expenses | -20,204 | -20,848 | — | — | — |
| EBITDA | 5,823 | 681 | -1,368 | 3,742 | 3,616 |
| Depreciation & amort. | -3,796 | -2,891 | -2,377 | -2,189 | -2,763 |
| EBIT | 2,026 | -2,210 | -3,745 | 1,553 | 853 |
| Net financials | -567 | -858 | -575 | 57 | -371 |
| Profit before tax | 1,459 | -3,068 | -4,320 | 1,609 | 483 |
| Tax | -0 | -0 | -0 | -0 | -0 |
| Net profit | 1,459 | -3,068 | -4,320 | 1,609 | 483 |
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Balance sheet
SEK thousands| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total assets | 11,538 | 13,801 | 11,840 | 15,676 | 14,552 |
| Equity | 5,895 | 2,935 | 503 | 2,023 | 414 |
| Long-term debt | 0 | 0 | 208 | 1,042 | 992 |
| Short-term debt | 5,643 | 10,866 | 11,128 | 12,612 | 13,146 |
| Total debt | 5,643 | 10,866 | 11,336 | 13,654 | 14,138 |
Financial ratios
5-year trendEBITDA margin
20.5 %
20212025
Equity ratio
51.1 %
WeakAmong the 30% lowest rated companies in the industry
20212025
Return on equity
24.8 %
StrongAmong the 30% highest rated companies in the industry
20212025
Net profit margin
5.1 %
WeakAmong the 40% lowest rated companies in the industry
20212025
Asset turnover
2.46×
Very strongAmong the 10% highest rated companies in the industry
20212025
Debt / equity
0.96×
WeakAmong the 30% lowest rated companies in the industry
20212025
Sector performance
27 of 28 ratios graded28 financial ratios from the latest filing, each graded against companies in the same industry.
Profitability
Gross marginWeak
Among the 40% 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 marginAverage
Around the average of companies in the same 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 marginWeak
Among the 40% lowest 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)Strong
Among the 30% 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)Strong
Among the 30% 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)Strong
Among the 30% 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 ratioAverage
Around the average of companies in the same 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 ratioWeak
Among the 30% lowest 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 ratioWeak
Among the 30% lowest 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 ratioWeak
Among the 30% lowest rated companies in the industry
Cash relative to short-term debt — the ability to repay short-term obligations with cash alone.
Current assets to equityWeak
Among the 30% lowest 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.
Fixed assets to long-term capitalAverage
Around the average of companies in the same industry
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.
Cash conversion ratioVery strong
Among the 10% highest rated companies in the industry
Cash flow relative to profit — the ability to convert reported profits into accessible cash.
Debt & solvency
Solidity ratioWeak
Among the 30% lowest 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 ratioWeak
Among the 30% lowest 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 equityWeak
Among the 30% lowest rated companies in the industry
Debt relative to equity — the company's leverage. A higher value means heavier reliance on debt financing.
Liabilities to equityWeak
Among the 30% lowest rated companies in the industry
Total liabilities relative to equity — whether the company operates primarily on borrowed capital or on its own.
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 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 coverageStrong
Among the 30% highest rated companies in the industry
The ability to pay the interest on the company's debt out of its earnings.
Interest rate on debtVery weak
Among the 10% lowest rated companies in the industry
Financial expenses relative to total liabilities — the effective interest rate the company pays on its debt.
Interest marginStrong
Among the 30% 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 turnoverVery strong
Among the 10% highest rated companies in the industry
Revenue relative to total assets — the ability to generate revenue from the asset base.
Equity to contributed capitalAverage
Around the average of companies in the same 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 debtVery strong
Among the 20% highest 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 Bolagsverket / SCB · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via Bolagsverket / SCB · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via Bolagsverket / SCB · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via Bolagsverket / SCB · Period 2022-01-01 – 2022-12-31
- Annual report 2021Filed via Bolagsverket / SCB · Period 2021-01-01 – 2021-12-31
People & ownership
Management
Actively employed in the business| Name | Role | Member since |
|---|---|---|
| Current (2) | ||
PH Audit | Audit | 2020 |
PM Chief Executive Officer | Chief Executive Officer | 2020 |
Former (1)
JC Chief Executive Officer | Chief Executive Officer | 2020 – 2022 |
Board of directors
Non-executive oversight| Name | Role | Member since |
|---|---|---|
| Current (4) | ||
KE Board of Directors | Board of Directors | 2020 |
GJ Board of Directors | Board of Directors | 2020 |
EA Chairman | Chairman | 2020 |
PM Board of Directors | Board of Directors | 2020 |
Shareholders
Active legal owners| Shareholder | Type | Ownership | Votes | Registered |
|---|---|---|---|---|
| Company | 61% | 61% | 2025 |
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Related companies
Company hierarchy
MM Holding AB
Consector AB Board network connections
Board members of Consector AB also hold positions in 121 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Per Henrik Johnsson | Audit | 82 companiesMany roles |
| Jonas Christian Emanuel Ryberg | Chief Executive Officer | 13 companiesMany roles |
| Glenn-Åke Jerry Nilsson | Board of Directors | 13 companiesMany roles |
| Kenth Enar Eldebrink | Board of Directors | 6 companiesMany roles |
| Erik Andreas Bjerke | Chairman | 6 companiesMany roles |
| Pontus Mikael Holgersson Wahlby | Chief Executive Officer | 1 company |
Frequently asked questions
What is the Org number of Consector AB?
Consector AB is registered with Bolagsverket / SCB under Org 5569614216.
What is the revenue of Consector AB?
Consector AB reported revenue of SEK 28.4m in 2025.
How many employees does Consector AB have?
Consector AB employs 24 people as of the latest annual report.
Who is the CEO of Consector AB?
Pontus Mikael Holgersson Wahlby is the CEO of Consector AB, in role since 2020.
Who is the chairman of Consector AB?
Erik Andreas Bjerke chairs the board of Consector AB, in role since 2020.
Where is Consector AB headquartered?
Consector AB's registered address is Narvavägen 12.