QLIRO AB financials
QLIRO AB
Country: SE Reporting currency: SEK Latest annual report: 2024-12-31
LEI:
2138006QFV6OJMYQC847 Financial statements
(SEK, as reported — unscaled; 82 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Other income | SEK 1.4M | SEK 1.2M |
| Administrative expenses | SEK 232.4M | SEK 220.8M |
| Depreciation & amortisation | SEK 68.1M | SEK 67.8M |
| Operating profit (EBIT) | -SEK 33.3M | -SEK 24.4M |
| Income tax expense | -SEK 5.8M | -SEK 3.3M |
| Profit for the year | -SEK 21.9M | SEK 4.1M |
| — attributable to owners | -SEK 21.9M | SEK 4.1M |
| Total comprehensive income | -SEK 23.1M | SEK 4.0M |
| Per share | ||
| Basic EPS | SEK -1.13 | SEK 0.22 |
| Free cash flow / share | SEK 22.51 | SEK -37.44 |
| Cash flow statement | ||
| Net cash from operating activities | SEK 437.9M | -SEK 696.0M |
| Net cash from investing activities | -SEK 131.7M | -SEK 96.7M |
| Purchase of PP&E (capex) | SEK 1.6M | SEK 1.8M |
| Purchase of intangibles | SEK 130.1M | SEK 94.9M |
| Net cash from financing activities | -SEK 4.9M | -SEK 3.1M |
| Lease liability payments | SEK 5.7M | SEK 5.6M |
| Net change in cash | SEK 301.3M | -SEK 795.8M |
| Balance sheet | ||
| Total assets | SEK 3.45B | SEK 3.69B |
| Property, plant & equipment | SEK 14.7M | SEK 16.8M |
| Cash & equivalents | SEK 403.0M | SEK 101.0M |
| Total equity | SEK 559.2M | SEK 480.2M |
| Derived metrics | ||
| Free cash flow | SEK 436.3M | -SEK 697.8M |
| Return on equity | -3.9% | 0.9% |
| Cash conversion ratio | -20.00× | -169.76× |
| Capex coverage | 273.69× | -386.67× |
| Other reported items | ||
| Adjustments For Decrease Increase In Loans and Advances To Customers | SEK 518.7M | -SEK 31.0M |
| Adjustments For Depreciation and Amortisation Expense | SEK 78.5M | SEK 73.1M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances | SEK 134.4M | SEK 121.7M |
| Adjustments For Increase Decrease In Deposits From Customers | -SEK 224.3M | -SEK 384.0M |
| Adjustments For Increase Decrease In Other Current Liabilities | -SEK 17.1M | -SEK 147.3M |
| Adjustments For Interest Expense | SEK 117.7M | SEK 100.8M |
| Adjustments For Interest Income | SEK 359.3M | SEK 372.8M |
| Adjustments For Sharebased Payments | SEK 1.2M | SEK 0 |
| Adjustments For Unrealised Foreign Exchange Losses Gains | SEK 100.0K | SEK 500.0K |
| Basic Earnings Loss Per Share From Continuing Operations | SEK -1.42 | SEK -1.11 |
| Changes In Equity | SEK 49.5M | SEK 5.7M |
| Comprehensive Income Attributable To Owners of Parent | -SEK 23.1M | SEK 4.0M |
| Current Accrued Expenses and Other Current Liabilities | SEK 58.6M | SEK 57.4M |
| Current Deposits From Customers | SEK 2.72B | SEK 2.95B |
| Deferred Tax Assets | SEK 60.1M | SEK 56.0M |
| Derivative Financial Assets Held For Hedging | SEK 2.1M | SEK 0 |
| Derivative Financial Liabilities Held For Hedging | SEK 0 | SEK 400.0K |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | SEK 600.0K | -SEK 3.8M |
| Equity and Liabilities | SEK 3.45B | SEK 3.69B |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | SEK 651.1M | SEK 616.1M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | -SEK 1.1M | -SEK 100.0K |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | SEK 106.4M | SEK 92.6M |
| Income Taxes Paid Refund Classified As Operating Activities | SEK 3.8M | -SEK 4.1M |
| Increase Decrease In Cash and Cash Equivalents | SEK 301.3M | -SEK 795.8M |
| Increase Decrease Through Exercise of Warrants Equity | SEK 700.0K | SEK 2.6M |
| Increase Decrease Through Sharebased Payment Transactions | SEK 1.2M | SEK 3.3M |
| Increase Decrease Through Transfers and Other Changes Equity | — | -SEK 200.0K |
| Intangible Assets Other Than Goodwill | SEK 259.5M | SEK 198.7M |
| Interest Expense | SEK 88.8M | SEK 68.5M |
| Interest Paid Classified As Operating Activities | SEK 121.5M | SEK 86.3M |
| Interest Received Classified As Operating Activities | SEK 373.1M | SEK 354.8M |
| Interest Revenue Expense | SEK 200.6M | SEK 198.5M |
| Issue of Equity | SEK 47.7M | SEK 0 |
| Issued Capital | SEK 59.6M | SEK 53.4M |
| Liabilities | SEK 2.90B | SEK 3.21B |
| Loans and Advances To Customers | SEK 1.93B | SEK 2.61B |
| Miscellaneous Other Operating Expense | SEK 24.2M | SEK 17.8M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | SEK 24.5M | SEK 0 |
| Other Assets | SEK 82.8M | SEK 61.7M |
| Other Comprehensive Income | -SEK 1.1M | -SEK 100.0K |
| Other Fee and Commission Expense | SEK 12.2M | SEK 7.4M |
| Other Fee and Commission Income | SEK 209.7M | SEK 183.7M |
| Other Liabilities | SEK 110.3M | SEK 106.0M |
| Other Reserves | -SEK 5.1M | -SEK 4.0M |
| Other Shortterm Provisions | SEK 2.9M | SEK 0 |
| Payments For Debt Issue Costs | SEK 2.5M | SEK 0 |
| Prepayments and Accrued Income Including Contract Assets | SEK 26.9M | SEK 32.1M |
| Proceeds From Issue of Bonds Notes and Debentures | SEK 55.0M | SEK 0 |
| Proceeds From Issuing Other Equity Instruments | SEK 47.7M | SEK 0 |
| Profit Loss From Continuing Operations | -SEK 27.5M | -SEK 21.1M |
| Profit Loss From Discontinued Operations | SEK 5.6M | SEK 25.2M |
| Repayments of Subordinated Liabilities | SEK 100.0M | SEK 0 |
| Retained Earnings Excluding Profit Loss For Reporting Period | SEK 474.0M | SEK 426.7M |
| Retained Earnings Profit Loss For Reporting Period | -SEK 21.9M | SEK 4.1M |
| Revenue and Operating Income | SEK 397.8M | SEK 374.6M |
| Revenue From Interest | SEK 289.4M | SEK 267.0M |
| Subordinated Liabilities | SEK 0 | SEK 100.0M |
Methodology
Every line item above is a fact tagged in QLIRO AB's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (SEK), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.