40804714 2025-01-01 2025-12-31 40804714 2025-01-01 2025-12-31 0 40804714 2025-01-01 2025-12-31 0 40804714 2025-01-01 2025-12-31 1 40804714 2025-01-01 2025-12-31 2 40804714 2025-01-01 2025-12-31 0 40804714 2024-01-01 2024-12-31 40804714 2025-12-31 40804714 2024-12-31 40804714 2024-12-31 fsa:ContributedCapitalMember 40804714 2024-12-31 fsa:RetainedEarningsMember 40804714 2024-12-31 40804714 2025-01-01 2025-12-31 fsa:ContributedCapitalMember 40804714 2025-01-01 2025-12-31 fsa:RetainedEarningsMember 40804714 2025-12-31 fsa:ContributedCapitalMember 40804714 2025-12-31 fsa:RetainedEarningsMember iso4217:DKK xbrli:pure 2025-01-01 Regnskabsklasse B true Annual report 30700228 EY godkendt partnerselskab Cortex park vest 3 5230 Odense m xWizard version 1.1.1530.0, by EasyX Aps. www.easyx.eu 2024-01-01 2024-12-31 Independent Auditor’s Report Basis for Opinion Opinion 2026-05-22 Christian Grye Nesjan Statement by management on the annual report The supervisory board and executive board have today discussed and approved the annual   report of Sambla Group ApS for the financial year 1 January - 31 December 2025. 2025-12-31 The annual report is prepared in accordance with the Danish Financial Statements Act. In our opinion, the financial statements give a true and fair view of the company's financial   position on 31 December 2025 and of the results of the company's operations for the   financial year 1 January - 31 December 2025.   In our opinion, management's review includes a fair review of the matters dealt with in the   management's review.   Management recommends that the annual report should be approved by the company in   general meeting.   Copenhagen 2026-05-22 Christian Grye Nesjan CEO Per Håkan Österström Chairman Christian Grye Nesjan Erik Olof Ingemar Daniels Independent auditor's report Independent auditor's report As part of an audit conducted in accordance with ISAs and additional requirements applicable in Denmark, we exercise professional judgement and maintain professional scepticism throughout the audit. We also:  Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations or the override of internal control.  Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control.  Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by Management.  Conclude on the appropriateness of Management's use of the going concern basis of accounting in preparing the financial statements and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Company's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor's report. However, future events or conditions may cause the Company to cease to continue as a going concern.  Evaluate the overall presentation, structure and contents of the financial statements, including the note disclosures, and whether the financial statements represent the underlying transactions and events in a manner that gives a true and fair view.    We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. To the shareholders of Sambla Group ApS Opinion   We have audited the financial statements of Sambla Group ApS for the financial year   1 January – 31 December 2025, which comprise accounting policies, income statement,   balance sheet, statement of changes in equity and notes. The financial statements are   prepared in accordance with the Danish Financial Statements Act.   In our opinion, the financial statements give a true and fair view of the financial position   of the Company at 31 December 2025 and of the results of the Company's operations for   the financial year 1 January – 31 December 2025 in accordance with the Danish Financial   Statements Act.   Basis for opinion   We conducted our audit in accordance with International Standards on Auditing (ISAs)   and additional requirements applicable in Denmark. Our responsibilities under those   standards and requirements are further described in the "Auditor's responsibilities for the   audit of the financial statements" section of our report. We believe that the audit evidence   we have obtained is sufficient and appropriate to provide a basis for our opinion.   Independence   We are independent of the Company in accordance with the International Ethics Standards   Board for Accountants' International Code of Ethics for Professional Accountants (IESBA   Code) and the additional ethical requirements applicable in Denmark, and we have fulfilled   our other ethical responsibilities in accordance with these requirements and the IESBA   Code.   Management's responsibilities for the financial statements   Management is responsible for the preparation of financial statements that give a true and   fair view in accordance with the Danish Financial Statements Act and for such internal   control as Management determines is necessary to enable the preparation of financial   statements that are free from material misstatement, whether due to fraud or error.   In preparing the financial statements, Management is responsible for assessing the   Company's ability to continue as a going concern, disclosing, as applicable, matters related   to going concern and using the going concern basis of accounting in preparing the financial   statements unless Management either intends to liquidate the Company or to cease   operations, or has no realistic alternative but to do so.   Auditor's responsibilities for the audit of the financial statements   Our objectives are to obtain reasonable assurance as to whether the financial statements as   a whole are free from material misstatement, whether due to fraud or error, and to issue an   auditor's report that includes our opinion. Reasonable assurance is a high level of assurance   but is not a guarantee that an audit conducted in accordance with ISAs and additional   requirements applicable in Denmark will always detect a material misstatement when it   exists. Misstatements can arise from fraud or error and are considered material if,   individually or in the aggregate, they could reasonably be expected to influence the   economic decisions of users taken on the basis of the financial statements.   Statement on the Management's review   Management is responsible for the Management's review.   Our opinion on the financial statements does not cover the Management's review, and we   do not express any form of assurance conclusion thereon.   In connection with our audit of the financial statements, our responsibility is to read the   Management's review and, in doing so, consider whether the Management's review is   materially inconsistent with the financial statements or our knowledge obtained during the   audit, or otherwise appears to be materially misstated.   Moreover, it is our responsibility to consider whether the Management's review provides   the information required under the Danish Financial Statements Act.   Based on the work we have performed, we conclude that the Management's review is in   accordance with the financial statements and has been prepared in accordance with the   requirements of the Danish Financial Statements Act. We did not identify any material   misstatement of the Management's review.   Copenhagen 2026-05-22 EY Godkendt Revisionspartnerselskab 30700228 Rasmus Berntsen State Authorised Public Accountant mne35461 Sambla Group Aps Kronprinsessegade 54, 4th. 1306 København K. 40804714 2019-09-23 Copenhagen Management’s review Business review   Sambla Group Aps is 100 percent owned by its Swedish parent company Sambla Group   AB and its purpose is to mainly provide loan brokerage service. The company is the   market leader in its own industry both in the Nordic countries, and its best-known brands   in Denmark are Digifinans and Saverium. At the group level, Sambla Group serves its   customers in all Nordic countries except Iceland.   The company's goal, together with its partners, is to be able to offer its customers the   most competitive loan and the best possible loan terms.   Financial review   The company's income statement for the year ended 31 December 2025 shows a profit of   kr. 4.234.001 and the balance sheet on 31 December 2025 shows equity of kr. 7.112.143.   Significant events occurring after the end of the financial year   No events have occurred after the balance sheet date which could significantly affect the   company's financial position.   Accounting policies The annual report of Sambla Group ApS for 2025 has been prepared in accordance with   the provisions of the Danish Financial Statements Act applying to enterprises of reporting   class B applying provision from a higher reporting class of regards to presentation of   equity.   The annual report for 2025 is presented in kr. Basis of recognition and measurement   Income is recognized in the income statement as earned, including value adjustments of   financial assets and liabilities. All expenses, including amortisation, depreciation and   impairment losses, are also recognized in the income statement.   Assets are recognized in the balance sheet when it is probable that future economic benefits   will flow to the company and the value of the asset can be measured reliably.   Liabilities are recognized in the balance sheet when it is probable that future economic   benefits will flow from the company and the value of the liability can be measured reliably.   On initial recognition, assets and liabilities are measured at cost. On subsequent recognition, assets   and liabilities are measured as described below for each individual accounting item.   Certain financial assets and liabilities are measured at amortised cost using the effective interest   method. Amortised cost is calculated as the historic cost less any installments and plus/less the   accumulated amortisation of the difference between the cost and the nominal amount.   On recognition and measurement, allowance is made for predictable losses and risks which occur   before the annual report is presented and which confirm or invalidate matters existing at the balance   sheet date.   Income statement Gross profit   In pursuance of section 32 of the Danish Financial Statements Act, the company does not disclose   its revenue.   Gross profit reflects an aggregation of revenue, other income and consumables and other external   expenses.   Revenue   The company has chosen IAS 18 Revenue as interpretation for revenue recognition.   Income from the sale is recognized in revenue with the most significant reward and risks have been   transferred to the buyer and provided the income can be measured reliably and payment is expected   to be received.   Revenue is measured at the fair value of the agreed consideration exclusive of VAT and taxes   charged on behalf of third parties. All discounts and rebates granted are recognized in revenue.   Other external costs   Other external costs include expenses related to sale, administration, premises etc.   Staff costs   Staff costs include wages and salaries, including compensated absence and pensions, as   well as other social security contributions, etc. made to the entity's employees.   Financial income and expenses   Financial income and expenses are recognized in the income statement at the amounts that   relate to the financial year. Financials income and cost include interest income and   expenses, realised and unrealised capital/exchange gains and losses on foreign currency   transactions and allowances under the Danish Tax Prepayment Scheme, etc.   Tax on profit/loss for the year   Tax for the year, which comprises the current tax charge for the year and changes in the   deferred tax charge, is recognized in the income statement.   Balance sheet Fixed asset investments Other investments   Other financial assets, which consist of rent deposits are recognized as cost.   Receivables   Receivables are measured at amortised cost.   Cash and cash equivalents   Cash and cash equivalents comprise cash and deposits at banks.   Equity Dividends   Proposed dividends are disclosed as a separate item under equity. Dividends are recognized   as a liability when declared by the annual general meeting of shareholders.   Income tax and deferred tax   Current tax liabilities and current tax receivables are recognized in the balance sheet as the   estimated tax on the taxable income for the year, adjusted for tax on the taxable income   for previous years and tax paid on account.   Deferred tax is measured according to the liability method in respect of temporary   differences between the carrying amount of assets and liabilities and their tax base,   calculated on the basis of the planned use of the asset and settlement of the liability,   respectively. Deferred tax is measured at net realisable value.   Liabilities   Liabilities, which include trade payables, payables to group enterprises and other payables,   are measured at amortised cost, which is usually equivalent to nominal value.   Foreign currency translation   On initial recognition, foreign currency transactions are translated applying the exchange   rate at the transaction date. Foreign exchange differences arising between the exchange   rates at the transaction date and at the date of payment are recognized in the income   statement as financial income or financial expenses.   21446023 17018191 15970740 15748167 5475283 1270024 47409 0 2440 15686 76987 597388 5353327 688322 1119325 252655 4234001 435668 4234001 435668 324125 163606 487731 311000 142103 453104 2982664 12648500 51931 2192485 16856595 121226 15683095 19170305 3251617 587752 18934712 19422443 19758057 20211161 40001 40001 7072142 2838142 7112143 2878143 442802 140054 7307719 11327218 1069679 3490100 12310300 252655 5613091 17333018 12310300 19422443 17333018 20211161 40001 2838142 2878143 0 4234001 4234001 40001 7072142 7112143 Staff costs 12267586 1003590 138007 10532880 733138 172448 2561557 4309700 24 26 2025   2024   kr.   kr.   2 Rent and lease liabilities   Rent liabilities   Rent liabilities, period of non-terminability 3 months   435.444 393.989   The company has, as part of its normal course of business,   entered into customary executory contracts   3 Related parties and ownership structure   Consolidated financial statements   The company is reflected in the group report as the parent   company   Sambla Group AB, Tulegatan 4   11451 Stockholm