JUST Credit j.s.a.

Company financial profile・Company ID 52055809・Konventná 5, 81103 Bratislava - mestská časť Staré Mesto・Founded 2018

Financial report Financial statements

Active

Turnover 2025

105 K €

−21 %

Company ID: 52055809
Tax ID: 2120899451
VAT ID: —

Registered office: JUST Credit j.s.a.Konventná 5 81103 Bratislava - mestská časť Staré Mesto
Established: Saturday, November 24, 2018
Legal form: Jednoduchá spoločnosť na akcie
Registered in: Obchodný registerMestský súd Bratislava III, Sja/61/B

Profit 2025

67 K €

+43 %Net profit after tax

Assets

1.1 M €

+29 %Total assets, stated excl. VAT

Equity

631 K €

+4.1 %Assets less external liabilities

Debt ratio

42.4 %

+14 ppLiabilities / total assets

Gross margin

—

Not published

Coming soon

Andromia score

—

Profit

+43 %

Profit after tax as reported in each year's financial statements. A negative value is a loss.

Revenue

Sales of products, services and goods, i.e. income from the company's core business, without other revenue.

Income tax

Tax liability trend

Total tax is the income tax reported in the income statement. Payable tax is the part the company pays to the state for that year.

Financial indicators

Calculated from accounting statements using standard financial formulas.

Net margin

64.0 %

+29 pp

Profit / revenue

ROA

6.1 %

+0.6 pp

Return on assets

ROE

10.6 %

+2.9 pp

Return on equity

Return on costs

177.9 %

+123 pp

Profit / (revenue − profit)

Added value to revenue

-35.9 %

+8.4 pp

Added value / revenue

Earnings before tax

85 K €

+43 %

Profit + income tax

Effective tax

20.8 %

Income tax / earnings before tax

Current ratio

2.36

−32 %

Current assets / current liabilities

Total revenue

Sales + other operating + financial income

All of the company's revenue for the year. Unlike sales, it also includes asset sales, financial and other revenue.

Income statement

Item	2022	2023	2024	2025
Sales of products, services and goods	0 €	0 €	0 €	0 €
Value added	−25 K €	−22 K €	−59 K €	−38 K €
Operating revenue	71 K €	72 K €	133 K €	105 K €
Profit after tax	31 K €	37 K €	47 K €	67 K €
Income tax	8,546 €	11 K €	12 K €	18 K €
Current income tax	8,546 €	11 K €	12 K €	18 K €

Revenue, costs and profit for each year, from the published financial statements.

Non-profit resources and costs

Item	2022	2023	2024	2025
Personnel costs	12 K €	10 K €	11 K €	9,141 €

The main activity is untaxed, the business activity taxed. Figures from the published financial statements.

Assetsexcl. VAT

Non-current assets0 €
Current assets1.1 M €
Accruals and deferrals0 €

What the company holds at year end: non-current and current assets, stated excl. VAT.

Liabilities and equity

Equity631 K €
Liabilities465 K €
Accruals and deferrals0 €

How those assets are financed: equity and external liabilities. Equity and liabilities always equal assets.

Balance sheet

Assets (excl. VAT)

Item	2022	2023	2024	2025
Total assets	635 K €	640 K €	851 K €	1.1 M €
Non-current assets	0 €	0 €	0 €	0 €
Property, plant and equipment	0 €	0 €	0 €	0 €
Non-current intangible assets	0 €	0 €	0 €	0 €
Non-current financial assets	0 €	0 €	0 €	0 €
Current assets	635 K €	640 K €	851 K €	1.1 M €
Inventory	0 €	0 €	0 €	0 €
Non-current receivables	0 €	0 €	0 €	0 €
Current receivables	368 K €	554 K €	534 K €	1.05 M €
Current financial assets	0 €	0 €	0 €	0 €
Financial accounts	267 K €	87 K €	318 K €	44 K €
Accruals and deferrals	76 €	0 €	0 €	0 €

Liabilities and equity

Item	2022	2023	2024	2025
Total equity and liabilities	635 K €	640 K €	851 K €	1.1 M €
Equity	584 K €	593 K €	607 K €	631 K €
Share capital	500 K €	500 K €	500 K €	500 K €
Funds and other equity components	53 K €	56 K €	60 K €	64 K €
Profit/loss of previous years	0 €	0 €	0 €	0 €
Profit/loss for the accounting period after tax	31 K €	37 K €	47 K €	67 K €
Liabilities	51 K €	47 K €	245 K €	465 K €
Non-current liabilities	0 €	0 €	0 €	0 €
Current liabilities	51 K €	47 K €	245 K €	465 K €
Short-term financial assistance	0 €	0 €	0 €	0 €
Long-term bank loans	0 €	0 €	0 €	0 €
Short-term bank loans	0 €	0 €	0 €	0 €
Provisions	0 €	0 €	0 €	0 €
Accruals and deferrals	0 €	0 €	0 €	0 €

Assets and how they are financed at the end of each year. Assets are stated excl. VAT.

Company reliability

The entity is listed as an unreliable VAT payerNo
Former unreliable VAT payerNo
Excess VAT deductionNo
Tax reliability indexHighly reliable
Tax debtNo
State receivablesNo
State court receivablesNo
Debt with VšZPNo
Debt with UnionNo
Debt with Social Insurance AgencyNo

Business activities

8 registered activities

Poskytovanie spotrebiteľských úverov bez obmedzenia rozsahu poskytovania spotrebiteľských úverovValid from Friday, June 12, 2020
Činnosť podnikateľských, organizačných a ekonomických poradcovValid from Saturday, November 24, 2018
Faktoring a forfaitingValid from Saturday, November 24, 2018
Kúpa tovaru na účely jeho predaja konečnému spotrebiteľovi (maloobchod) alebo iným prevádzkovateľom živnosti (veľkoobchod)Valid from Saturday, November 24, 2018
Reklamné a marketingové služby, prieskum trhu a verejnej mienkyValid from Saturday, November 24, 2018
Sprostredkovateľská činnosť v oblasti obchoduValid from Saturday, November 24, 2018
Sprostredkovateľská činnosť v oblasti služiebValid from Saturday, November 24, 2018
Sprostredkovateľská činnosť v oblasti výrobyValid from Saturday, November 24, 2018

Statutory bodies and related persons

Statutory body

1 active of 3

JUDr. Simona ZachardováActive
Predstavenstvofrom Friday, April 23, 2021
Predseda predstavenstva
Address Popolná 10249/52, 83106 Bratislava - mestská časť Rača, Slovenská republika
JUDr. Simona KolekováEnded
PredstavenstvoFriday, April 23, 2021 – Wednesday, July 16, 2025
Predseda predstavenstva
Address Javorová 7, 90301 Senec, Slovenská republika
Ing. Ingrid RampašekováEnded
PredstavenstvoSaturday, November 24, 2018 – Tuesday, May 11, 2021
Predsedníčka predstavenstva
Address Bosákova 7, 85104 Bratislava - mestská časť Petržalka, Slovenská republika

Related persons

3 active of 6

Eva PáleníkováActive
Člen dozorného orgánufrom Friday, July 1, 2022
Address Súkennícka ul. 3051/13, 93405 Levice, Slovenská republika
Bc. Ing. Peter KulacsActive
Člen dozorného orgánufrom Wednesday, July 1, 2020
Address Bilíková 15, 84101 Bratislava - mestská časť Dúbravka, Slovenská republika
Ing. Zuzana ZubaľováActive
Člen dozorného orgánufrom Saturday, November 24, 2018
Address Pod Urbanom 33, 93401 Levice, Slovenská republika
Ing. Ingrid RampašekováEnded
Člen dozorného orgánuFriday, April 23, 2021 – Monday, July 4, 2022
Address Bosákova 7, 85104 Bratislava - mestská časť Petržalka, Slovenská republika
Ing. Patrik VaškoEnded
Člen dozorného orgánuSaturday, November 24, 2018 – Monday, July 13, 2020
Address Okružná 16, 90028 Zálesie, Slovenská republika
JUDr. Simona KolekováEnded
Člen dozorného orgánuSaturday, November 24, 2018 – Tuesday, May 11, 2021
Address Javorová 7, 90301 Senec, Slovenská republika

Registration

Registered in Business Register

Register: Obchodný register
Registration court: Mestský súd Bratislava III
Registration number: Sja/61/B
Main activity: Ostatné poskytovanie úverov
Sector (ESA 2010): Národní súkromní ostatní finanční sprostredkovatelia okrem poisťovacích korporácií a penzijných fondov
Tax registration: Active

JUST Credit j.s.a.

Registered office

JUST Credit j.s.a.

Konventná 5, 81103 Bratislava - mestská časť Staré Mesto

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JUST Credit j.s.a.

Profit

Revenue

Income tax

Financial indicators

Total revenue

Income statement

Non-profit resources and costs

Assetsexcl. VAT

Liabilities and equity

Balance sheet

Assets (excl. VAT)

Liabilities and equity

Company reliability

Business activities

Statutory bodies and related persons

Statutory body

Related persons

Registration

Registered office

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