Annual report

Period2022-04-01 → 2023-03-31
Filed2023-06-29
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 158
MetricValuePeriodScopeSource row
Revenue¥8.5bn2022-04-01 → 2023-03-31Cons.Net sales
Revenue¥7.9bn2021-04-01 → 2022-03-31Cons.Net sales
Revenue¥7.2bn2020-04-01 → 2021-03-31dCons.Net sales (5-year summary)
Revenue¥6.0bn2019-04-01 → 2020-03-31dCons.Net sales (5-year summary)
Revenue¥5.6bn2018-04-01 → 2019-03-31dCons.Net sales (5-year summary)
Operating income¥4.2bn2022-04-01 → 2023-03-31Cons.Operating income
Operating income¥3.7bn2021-04-01 → 2022-03-31Cons.Operating income
Ordinary income¥4.2bn2022-04-01 → 2023-03-31Cons.Ordinary income
Ordinary income¥3.8bn2021-04-01 → 2022-03-31Cons.Ordinary income
Ordinary income¥3.1bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.8bn2019-04-01 → 2020-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥2.6bn2018-04-01 → 2019-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥4.2bn2022-04-01 → 2023-03-31Cons.Income before income taxes
Profit before tax¥3.7bn2021-04-01 → 2022-03-31Cons.Income before income taxes
Net income (owners)¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.5bn2021-04-01 → 2022-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.0bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.3bn2019-04-01 → 2020-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥1.7bn2018-04-01 → 2019-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥2.9bn2022-04-01 → 2023-03-31Cons.Profit loss
Net income¥2.6bn2021-04-01 → 2022-03-31Cons.Profit loss
Total assets¥28.0bnat 2023-03-31Cons.Assets
Total assets¥25.3bnat 2022-03-31Cons.Assets
Total assets¥22.6bnat 2021-03-31dCons.Total assets (5-year summary)
Total assets¥16.4bnat 2020-03-31dCons.Total assets (5-year summary)
Total assets¥16.4bnat 2019-03-31dCons.Total assets (5-year summary)
Total liabilities¥6.0bnat 2023-03-31Cons.Liabilities
Total liabilities¥5.5bnat 2022-03-31Cons.Liabilities
Net assets / equity¥22.0bnat 2023-03-31Cons.Net assets
Net assets / equity¥19.7bnat 2022-03-31Cons.Net assets
Net assets / equity¥17.2bnat 2021-03-31dCons.Net assets
Net assets / equity¥12.8bnat 2020-03-31dCons.Net assets (5-year summary)
Net assets / equity¥11.0bnat 2019-03-31dCons.Net assets (5-year summary)
Cash and deposits¥17.5bnat 2023-03-31Cons.Cash and deposits
Cash and deposits¥17.3bnat 2022-03-31Cons.Cash and deposits
Cash & equivalents¥10.7bnat 2023-03-31Cons.Cash and cash equivalents
Cash & equivalents¥12.4bnat 2022-03-31Cons.Cash and cash equivalents
Cash & equivalents¥11.6bnat 2021-03-31dCons.Cash and cash equivalents
Cash & equivalents¥4.8bnat 2020-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥6.1bnat 2019-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥3.2bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥2.7bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥4.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥1.0bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥1.9bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow−¥4.2bn2022-04-01 → 2023-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥1.8bn2021-04-01 → 2022-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥80m2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥1.7bn2019-04-01 → 2020-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥2.2bn2018-04-01 → 2019-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥713m2022-04-01 → 2023-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥88m2021-04-01 → 2022-03-31Cons.Net cash provided by used in financing activities
Financing cash flow¥2.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥614m2019-04-01 → 2020-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥332m2018-04-01 → 2019-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥60.682022-04-01 → 2023-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥52.922021-04-01 → 2022-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥45.122020-04-01 → 2021-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥54.142019-04-01 → 2020-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥39.112018-04-01 → 2019-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (diluted)¥58.952022-04-01 → 2023-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.322021-04-01 → 2022-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥42.512020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.272019-04-01 → 2020-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥37.652018-04-01 → 2019-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥428.68at 2023-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥387.62at 2022-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥347.19at 2021-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥271.94at 2020-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥230.8at 2019-03-31dCons.Net assets per share (5-year summary)
Equity ratio72.7%at 2023-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio71.9%at 2022-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio70.3%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio70.3%at 2020-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio59.7%at 2019-03-31dCons.Equity to asset ratio (5-year summary)
ROE14.9%2022-04-01 → 2023-03-31Cons.Rate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31Cons.Rate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
ROE21.5%2019-04-01 → 2020-03-31dCons.Rate of return on equity (5-year summary)
ROE18.2%2018-04-01 → 2019-03-31dCons.Rate of return on equity (5-year summary)
Employees192at 2023-03-31Cons.Number of employees
Employees170at 2022-03-31Cons.Number of employees
Employees161at 2021-03-31dCons.Number of employees
Employees142at 2020-03-31dCons.Number of employees
Employees156at 2019-03-31dCons.Number of employees
Revenue¥8.7bn2022-04-01 → 2023-03-31StandaloneNet sales
Revenue¥8.2bn2021-04-01 → 2022-03-31StandaloneNet sales
Revenue¥7.8bn2020-04-01 → 2021-03-31dStandaloneNet sales (5-year summary)
Revenue¥6.1bn2019-04-01 → 2020-03-31dStandaloneNet sales (5-year summary)
Revenue¥5.9bn2018-04-01 → 2019-03-31dStandaloneNet sales (5-year summary)
Operating income¥3.8bn2022-04-01 → 2023-03-31StandaloneOperating income
Operating income¥3.3bn2021-04-01 → 2022-03-31StandaloneOperating income
Ordinary income¥4.1bn2022-04-01 → 2023-03-31StandaloneOrdinary income
Ordinary income¥3.6bn2021-04-01 → 2022-03-31StandaloneOrdinary income
Ordinary income¥2.9bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.6bn2019-04-01 → 2020-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.4bn2018-04-01 → 2019-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥4.0bn2022-04-01 → 2023-03-31StandaloneIncome before income taxes
Profit before tax¥3.6bn2021-04-01 → 2022-03-31StandaloneIncome before income taxes
Net income¥2.8bn2022-04-01 → 2023-03-31StandaloneProfit loss
Net income¥2.5bn2021-04-01 → 2022-03-31StandaloneProfit loss
Net income¥2.0bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Net income¥2.3bn2019-04-01 → 2020-03-31dStandaloneNet income loss (5-year summary)
Net income¥1.7bn2018-04-01 → 2019-03-31dStandaloneNet income loss (5-year summary)
Total assets¥26.5bnat 2023-03-31StandaloneAssets
Total assets¥23.9bnat 2022-03-31StandaloneAssets
Total assets¥21.5bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total assets¥15.5bnat 2020-03-31dStandaloneTotal assets (5-year summary)
Total assets¥15.5bnat 2019-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥6.0bnat 2023-03-31StandaloneLiabilities
Total liabilities¥5.5bnat 2022-03-31StandaloneLiabilities
Net assets / equity¥20.5bnat 2023-03-31StandaloneNet assets
Net assets / equity¥18.3bnat 2022-03-31StandaloneNet assets
Net assets / equity¥16.0bnat 2021-03-31dStandaloneNet assets
Net assets / equity¥11.7bnat 2020-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥9.9bnat 2019-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥13.0bnat 2023-03-31StandaloneCash and deposits
Cash and deposits¥13.2bnat 2022-03-31StandaloneCash and deposits
EPS (basic)¥60.332022-04-01 → 2023-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥52.892021-04-01 → 2022-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥45.222020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥54.152019-04-01 → 2020-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥39.162018-04-01 → 2019-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥58.612022-04-01 → 2023-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282021-04-01 → 2022-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥42.62020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282019-04-01 → 2020-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥37.72018-04-01 → 2019-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥342022-04-01 → 2023-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥262021-04-01 → 2022-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥222020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥142019-04-01 → 2020-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥132018-04-01 → 2019-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥428.65at 2023-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥387.95at 2022-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥347.56at 2021-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥272.23at 2020-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥231.08at 2019-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio76.7%at 2023-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio76.2%at 2022-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio73.9%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio74.6%at 2020-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio63.3%at 2019-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE14.8%2022-04-01 → 2023-03-31StandaloneRate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31StandaloneRate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
ROE21.5%2019-04-01 → 2020-03-31dStandaloneRate of return on equity (5-year summary)
ROE18.2%2018-04-01 → 2019-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued47,467,700at 2023-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued46,845,400at 2022-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued45,729,800at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued42,506,400at 2020-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued42,506,400at 2019-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees185at 2023-03-31StandaloneNumber of employees
Employees163at 2022-03-31StandaloneNumber of employees
Employees156at 2021-03-31dStandaloneNumber of employees
Employees138at 2020-03-31dStandaloneNumber of employees
Employees150at 2019-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

Segments · 2
SegmentItemPeriodValue
Credit Guaranteereportable segmentemployeesat 2023-03-31192 pure
Credit Guaranteereportable segmentemployeesat 2023-03-31185 pure

Segment names come from EDINET member IDs; not yet mapped to a common taxonomy.

All source rows · 1,160
ItemContextValueUnit
Career summary information about directors and corporate auditors (text)FilingDateInstant_jpcrp030000-asr_E05665-000MabuchiMarikoMemberText · Plus
Term of office information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000MabuchiMarikoMember
Original text (Japanese)(注)3
Official title or position information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMember
Original text (Japanese)常勤監査役
Name information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMember
Original text (Japanese)山内 稔彦
Date of birth information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMember1953-03-19
Career summary information about directors and corporate auditors (text)FilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMemberText · Plus
Term of office information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamauchiToshihikoMember
Original text (Japanese)(注)4
Official title or position information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMember
Original text (Japanese)監査役
Name information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMember
Original text (Japanese)山岡 信一郎
Date of birth information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMember1969-07-21
Career summary information about directors and corporate auditors (text)FilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMemberText · Plus
Term of office information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000YamaokaShinichiroMember
Original text (Japanese)(注)4
Official title or position information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMember
Original text (Japanese)監査役
Name information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMember
Original text (Japanese)笠  浩久
Date of birth information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMember1964-08-04
Career summary information about directors and corporate auditors (text)FilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMemberText · Plus
Term of office information about directors and corporate auditorsFilingDateInstant_jpcrp030000-asr_E05665-000RyuHirohisaMember
Original text (Japanese)(注)4
Footnotes directors and corporate auditors (text)FilingDateInstant_Row1MemberText · Plus
Footnotes directors and corporate auditors (text)FilingDateInstant_Row2MemberText · Plus
Footnotes directors and corporate auditors (text)FilingDateInstant_Row3MemberText · Plus
Footnotes directors and corporate auditors (text)FilingDateInstant_Row4MemberText · Plus
Outside directors and outside corporate auditors (text)FilingDateInstantText · Plus
Audits (text)FilingDateInstantText · Plus
Remuneration for directors and other officers (text)FilingDateInstantText · Plus
Remuneration etc paid by group to each director or other officer (text)FilingDateInstantText · Plus
Shareholdings (text)FilingDateInstantText · Plus
Regulations in accordance with which consolidated financial statements have been prepared financial informationCurrentYearDurationText · Plus
Regulations in accordance with which financial statements have been prepared financial informationCurrentYearDurationText · Plus
Description of fact that financial statements have been prepared in accordance with special provision financial informationCurrentYearDuration
Original text (Japanese)また、当社は、特例財務諸表提出会社に該当し、財務諸表等規則第127条の規定により財務諸表を作成しております。
Note on independent audit financial informationCurrentYearDurationText · Plus
Remarkable efforts to ensure fair presentation of consolidated financial statements etc financial informationCurrentYearDurationText · Plus
Consolidated balance sheet (text)CurrentYearDurationText · Plus
Consolidated statement of income (text)CurrentYearDurationText · Plus
Consolidated statement of comprehensive income (text)CurrentYearDurationText · Plus
Consolidated statement of changes in equity (text)CurrentYearDurationText · Plus
Consolidated statement of cash flows (text)CurrentYearDurationText · Plus
Notes significant accounting policies for preparation of consolidated financial statements (text)CurrentYearDurationText · Plus
Number of consolidated subsidiaries and names of major consolidated subsidiaries (text)CurrentYearDurationText · Plus
Names of major unconsolidated subsidiaries and reasons for exclusion from scope of consolidation (text)CurrentYearDurationText · Plus
Changes in scope of consolidation (text)CurrentYearDurationText · Plus
Number of unconsolidated subsidiaries and associates accounted for using equity method and names of major entities accounted for using equity method (text)CurrentYearDurationText · Plus
Names of major unconsolidated subsidiaries and associates and reasons for not being accounted for using equity method (text)CurrentYearDurationText · Plus
Changes in scope of application of equity method (text)CurrentYearDurationText · Plus
Disclosure about fiscal years etc of consolidated subsidiaries (text)CurrentYearDurationText · Plus
Disclosure of accounting policies (text)CurrentYearDurationText · Plus
Significant accounting estimates consolidated financial statements (text)CurrentYearDurationText · Plus
Notes new accounting standards not yet applied consolidated financial statements (text)CurrentYearDurationText · Plus
Notes regarding prepaid expenses (text)CurrentYearInstantText · Plus
Notes regarding total amounts of shares of and or loans to affiliated entities (text)CurrentYearInstantText · Plus
Notes regarding advances received (text)CurrentYearInstantText · Plus

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 24 of 24 passed
balance sheet identityconsolidated 2022-03-31pass
balance sheet identityconsolidated 2023-03-31pass
balance sheet identitynon_consolidated 2022-03-31pass
balance sheet identitynon_consolidated 2023-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2021-03-31pass
statement vs summary · net assetsconsolidated 2022-03-31pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2021-03-31pass
statement vs summary · net assetsnon_consolidated 2022-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net income attributable to parentconsolidated 2021-04-01/2022-03-31pass
statement vs summary · net income attributable to parentconsolidated 2022-04-01/2023-03-31pass
statement vs summary · operating cash flowconsolidated 2021-04-01/2022-03-31pass
statement vs summary · operating cash flowconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenueconsolidated 2021-04-01/2022-03-31pass
statement vs summary · revenueconsolidated 2022-04-01/2023-03-31pass
statement vs summary · revenuenon_consolidated 2021-04-01/2022-03-31pass
statement vs summary · revenuenon_consolidated 2022-04-01/2023-03-31pass
statement vs summary · total assetsconsolidated 2022-03-31pass
statement vs summary · total assetsconsolidated 2023-03-31pass
statement vs summary · total assetsnon_consolidated 2022-03-31pass
statement vs summary · total assetsnon_consolidated 2023-03-31pass