LEASING
Leasing is recommended to customers who are interested in financing the purchase of a vehicle or item and their purchase after the end of the contract. The basic benefits of this form are increasing the financial liquidity, adjusting the installments to the possibilities, including leasing installments to the costs of running a business, as well as the possibility of accelerating tax depreciation.
LONG-TERM SERVICE
Long-term lease is a comprehensive service consisting in financing the current costs of using vehicles. As part of a fixed rental payment, the customer receives a vehicle at his disposal, without worrying about any costs other than operating costs. The package includes financing, insurance, periodic inspections, a replacement car as well as an optional fleet management service.
64.19.Z - Other monetary intermediation
64.92.Z - Other credit granting
64.99.Z - Other financial service activities, except insurance and pension funding not elsewhere classified
66.19.Z - Other activities auxiliary to financial services, except insurance and pension funding
66.22.Z - Activities of insurance agents and brokers
66.29.Z - Other activities auxiliary to insurance and pension funding
68.10.Z - Buying and selling of own real estate
68.20.Z - Rental and operating of own or leased real estate
68.31.Z - Real estate agencies
68.32.Z - Management of real estate on a fee or contract basis
2018 | 2019 | 2020 | ||
---|---|---|---|---|
M PLN | M PLN | M PLN | % | |
Net sales | 4,4 | 0,5 | 0 | -99,8 |
Liabilities and provisions | 4,7 | 5,2 | 5,1 | -2,4 |
Equity | 0,3 | -0,3 | -0,5 | -63 |
Total assets | 5 | 5 | 4,6 | -6,3 |
Cash and cash equivalents | 0 | 0 | 0 | -100 |
Depreciation | 0 | 0 | 0 | -100 |
Gross profit / loss | 0,1 | -0,6 | -0,2 | 68,2 |
EBITDA | 0,3 | -0,5 | -0 | 89,8 |
Net profit / loss | 0,1 | -0,6 | -0,2 | 68,2 |
Operating profit (EBIT) | 0,3 | -0,5 | -0 | 89,8 |
Current assets | 5 | 5 | 4,6 | -6,3 |
% | % | % | p.p. | |
Return on equity (ROE) | 20,5 | 197,9 | 38,6 | -159,3 |
Return on sales (ROS) | 1,3 | -121,2 | -18 444,5 | -18 323,3 |
Equity ratio | 5,4 | -5,6 | -9,8 | -4,2 |
EBITDA margin | 7,7 | -106,2 | -5195,8 | -5089,6 |
Gross profit margin | 2 | -121,2 | -18 444,5 | -18 323,3 |
Days | Days | Days | Days | |
Current liabilities turnover ratio | 80 | 883 | 426 035 | 425 152 |
Current ratio | 5,1 | 4,5 | 4,2 | -0,3 |
Net debt to EBITDA | 11,8 | -7,5 |
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