CREDO ENTREPRENØR AS
Score · fiscal year 2025
36of 100
How to read this: the company is ahead of 27 % of small companies in the same sector in 2025. What does this mean?
Rank: 24,017 of 32,581 · Bygg og anlegg
Profile
Beaver · Builder
Lower profitability, lower solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 26 and solidity 43 out of 100 among small companies in the same sector in 2025. Methodology
Against the sector
CREDO ENTREPRENØR AS is 14 points below the median for small companies in the same sector in 2025.
Median score 50 among 31,471 companies.
Against small companies in the same sector in 2025: operating margin −6.3% (median 3.7%) and equity ratio 34.4% (median 36.5%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 19 MNOK | 3 MNOK |
| Operating margin | −6.3% | 3.7% |
| Profit margin | −3.6% | 3.4% |
| Return on assets | −0.4% | 5.7% |
| Equity ratio | 34.4% | 36.5% |
| Debt-to-equity | 1.91 | 1.20 |
| Current ratio | 1.88 | 1.45 |
| Revenue growth | −72.2% | 3.0% |
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 36, CREDO ENTREPRENØR AS does better than 27% of small companies in the same sector (31,719 companies) in 2025.
Score 2023–2025
- CREDO ENTREPRENØR AS
- Median: small companies in the same sector
CREDO ENTREPRENØR AS has a score of 36 for 2025, rank 24,017 of 32,581 in the sector.
Strongest: Liquidity: percentile 63 against peers, current ratio 1.88 against a median of 1.45.
Weakest: Growth: percentile 5 against peers, revenue growth −72.2% against a median of 3.0%. Profitability: percentile 26 against peers, operating margin −6.3% against a median of 3.7%.
Worth a closer look
- The company made a loss before tax. Are these one-off items or a pattern? Based on: profit margin −3.6% (median 3.4%).
- The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors? Based on: operating margin −6.3% (median 3.7%).
- What lies behind weak growth, and will it last?
- What lies behind weak profitability, 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
CREDO ENTREPRENØR AS had an operating margin of −6.3% and an equity ratio of 34.4% in 2025, and ranks 24,017 of 32,581 in Bygg og anlegg.
From 2024 to 2025: went from a profit to a loss before tax and the operating margin fell from 8.5% to −6.3%.
This text is generated automatically from the 2025 accounts.
Three simple methods
One method gives a figure: 13 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | not meaningful |
| EV/EBIT | 8.0 | not meaningful |
| P/B | 1.0 | 13 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 −3.6% (median 3.4%).
- 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 −6.3% (median 3.7%).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 2.1% 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 2022, the sector's weakest year, for this company.
The sector's weakest year was 2022, with a median operating margin of 2.4%. 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 | 26 | weight 30% |
|---|---|---|
| Solidity | 43 | weight 25% |
| Liquidity | 63 | weight 15% |
| Growth | 5 | weight 15% |
| Consistency | 50 | weight 15% |
Durability: 48 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is CREDO ENTREPRENØR AS?
The operating margin was −6.3% in 2025, against a median of 3.7% among small companies in the same sector. Return on assets was −0.4%. The company made a loss before tax.
How solid is CREDO ENTREPRENØR AS?
The equity ratio was 34.4% in 2025 (median 36.5%). Debt-to-equity was 1.91 (median 1.20).
What is the liquidity of CREDO ENTREPRENØR AS like?
The current ratio was 1.88 in 2025 (median 1.45).
How does CREDO ENTREPRENØR AS compare in Bygg og anlegg?
CREDO ENTREPRENØR AS ranks 24,017 of 32,581 in Bygg og anlegg for 2025. Among companies of the same size (small companies) it ranks 23,143 of 31,719. Revenue changed by −72.2% from the year before.
Group accounts
The company is registered as part of a group, but we have no group accounts for it. Group accounts are filed by the parent company, and open data does not say which company that is.
Read the figures with care: a company in a group can look strong because of group contributions, or weak because dividends go up to the parent. The figures are indications, not the full picture.
We do not show the group structure, because open data does not say who owns whom.
From the Central Coordinating Register
- Org. no.
- 990832587
- Legal form
- AS · part of a group
- Sector
- Bygg og anlegg (41.000)
- Size tier
- small
- Employees
- 0–4 (not registered)
- Founded
- 2 January 2007 19 years in operation
- Share capital
- 0.40 MNOK
- Business address
- Torggata 82, 2317 HAMAR
- Municipality
- Hamar rank 1–5 of 13 in KOSTRA group 10
- 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
- Tom Haakonsen
- Chair of the board
- Tom Haakonsen
- Board member
- Truls Haakonsen
- Auditor
- BDO 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 29 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 41 | 66 | 36 | |
| Rank | 18,656 | 6,187 | 24,017 | |
| Operating margin | −0.6% | 8.5% | −6.3% | |
| Return on assets | 2.8% | 22.9% | −0.4% | |
| Equity ratio | 34.2% | 49.8% | 34.4% | |
| Current ratio | 1.82 | 1.20 | 1.88 | |
| Revenue growth | – | 112.0% | −72.2% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 31.6 MNOK | 67.0 MNOK | 18.6 MNOK |
| Operating profit | −0.2 MNOK | 5.7 MNOK | −1.2 MNOK |
| Profit before tax | 0.2 MNOK | 6.1 MNOK | −0.7 MNOK |
| Net profit | 0.2 MNOK | 4.8 MNOK | −0.5 MNOK |
| Financial expenses | 0.9 MNOK | 0.7 MNOK | 0.5 MNOK |
| Total assets | 39.3 MNOK | 29.6 MNOK | 36.6 MNOK |
| Current assets | 13.8 MNOK | 11.1 MNOK | 14.1 MNOK |
| Equity | 13.4 MNOK | 14.7 MNOK | 12.6 MNOK |
| Retained earnings | 0.2 MNOK | 1.5 MNOK | – |
| Total liabilities | 25.9 MNOK | 14.9 MNOK | 24.0 MNOK |
| Current liabilities | 7.6 MNOK | 9.3 MNOK | 7.5 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 29 October 2026, accounts id 6976264.
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