Annual report

Period2024-04-01 → 2025-03-31
Filed2025-06-26
StandardJapan GAAP
ConsolidatedYes
Data checks24 of 24 passed
Key figures · 158
MetricValuePeriodScopeSource row
Revenue¥10.2bn2024-04-01 → 2025-03-31Cons.Net sales
Revenue¥9.2bn2023-04-01 → 2024-03-31Cons.Net sales
Revenue¥8.5bn2022-04-01 → 2023-03-31dCons.Net sales (5-year summary)
Revenue¥7.9bn2021-04-01 → 2022-03-31dCons.Net sales (5-year summary)
Revenue¥7.2bn2020-04-01 → 2021-03-31dCons.Net sales (5-year summary)
Operating income¥5.1bn2024-04-01 → 2025-03-31Cons.Operating income
Operating income¥4.9bn2023-04-01 → 2024-03-31Cons.Operating income
Ordinary income¥5.2bn2024-04-01 → 2025-03-31Cons.Ordinary income
Ordinary income¥4.9bn2023-04-01 → 2024-03-31Cons.Ordinary income
Ordinary income¥4.2bn2022-04-01 → 2023-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥3.8bn2021-04-01 → 2022-03-31dCons.Ordinary income loss (5-year summary)
Ordinary income¥3.1bn2020-04-01 → 2021-03-31dCons.Ordinary income loss (5-year summary)
Profit before tax¥5.2bn2024-04-01 → 2025-03-31Cons.Income before income taxes
Profit before tax¥4.9bn2023-04-01 → 2024-03-31Cons.Income before income taxes
Net income (owners)¥3.5bn2024-04-01 → 2025-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥3.3bn2023-04-01 → 2024-03-31Cons.Profit loss attributable to owners of parent
Net income (owners)¥2.9bn2022-04-01 → 2023-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.5bn2021-04-01 → 2022-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income (owners)¥2.0bn2020-04-01 → 2021-03-31dCons.Profit loss attributable to owners of parent (5-year summary)
Net income¥3.6bn2024-04-01 → 2025-03-31Cons.Profit loss
Net income¥3.4bn2023-04-01 → 2024-03-31Cons.Profit loss
Total assets¥33.0bnat 2025-03-31Cons.Assets
Total assets¥30.1bnat 2024-03-31Cons.Assets
Total assets¥28.0bnat 2023-03-31dCons.Total assets (5-year summary)
Total assets¥25.3bnat 2022-03-31dCons.Total assets (5-year summary)
Total assets¥22.6bnat 2021-03-31dCons.Total assets (5-year summary)
Total liabilities¥6.6bnat 2025-03-31Cons.Liabilities
Total liabilities¥6.0bnat 2024-03-31Cons.Liabilities
Net assets / equity¥26.4bnat 2025-03-31Cons.Net assets
Net assets / equity¥24.1bnat 2024-03-31Cons.Net assets
Net assets / equity¥22.0bnat 2023-03-31dCons.Net assets
Net assets / equity¥19.7bnat 2022-03-31dCons.Net assets (5-year summary)
Net assets / equity¥17.2bnat 2021-03-31dCons.Net assets (5-year summary)
Cash and deposits¥16.3bnat 2025-03-31Cons.Cash and deposits
Cash and deposits¥15.0bnat 2024-03-31Cons.Cash and deposits
Cash & equivalents¥11.2bnat 2025-03-31Cons.Cash and cash equivalents
Cash & equivalents¥8.2bnat 2024-03-31Cons.Cash and cash equivalents
Cash & equivalents¥10.7bnat 2023-03-31dCons.Cash and cash equivalents
Cash & equivalents¥12.4bnat 2022-03-31dCons.Cash and cash equivalents (5-year summary)
Cash & equivalents¥11.6bnat 2021-03-31dCons.Cash and cash equivalents (5-year summary)
Operating cash flow¥4.1bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥3.1bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in operating activities
Operating cash flow¥3.2bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥2.7bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Operating cash flow¥4.7bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in operating activities (5-year summary)
Investing cash flow¥311m2024-04-01 → 2025-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥4.3bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in investment activities
Investing cash flow−¥4.2bn2022-04-01 → 2023-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥1.8bn2021-04-01 → 2022-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Investing cash flow−¥80m2020-04-01 → 2021-03-31dCons.Net cash provided by used in investing activities (5-year summary)
Financing cash flow−¥1.4bn2024-04-01 → 2025-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥1.3bn2023-04-01 → 2024-03-31Cons.Net cash provided by used in financing activities
Financing cash flow−¥713m2022-04-01 → 2023-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow−¥88m2021-04-01 → 2022-03-31dCons.Net cash provided by used in financing activities (5-year summary)
Financing cash flow¥2.2bn2020-04-01 → 2021-03-31dCons.Net cash provided by used in financing activities (5-year summary)
EPS (basic)¥73.12024-04-01 → 2025-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥68.62023-04-01 → 2024-03-31Cons.Basic earnings loss per share (5-year summary)
EPS (basic)¥60.682022-04-01 → 2023-03-31dCons.Basic earnings loss per share (5-year summary)
EPS (basic)¥52.922021-04-01 → 2022-03-31dCons.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 (diluted)¥72.242024-04-01 → 2025-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥67.362023-04-01 → 2024-03-31Cons.Diluted earnings per share (5-year summary)
EPS (diluted)¥58.952022-04-01 → 2023-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥51.322021-04-01 → 2022-03-31dCons.Diluted earnings per share (5-year summary)
EPS (diluted)¥42.512020-04-01 → 2021-03-31dCons.Diluted earnings per share (5-year summary)
Net assets per share¥505.07at 2025-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥465.1at 2024-03-31Cons.Net assets per share (5-year summary)
Net assets per share¥428.68at 2023-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥387.62at 2022-03-31dCons.Net assets per share (5-year summary)
Net assets per share¥347.19at 2021-03-31dCons.Net assets per share (5-year summary)
Equity ratio73.3%at 2025-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio73.7%at 2024-03-31Cons.Equity to asset ratio (5-year summary)
Equity ratio72.7%at 2023-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio71.9%at 2022-03-31dCons.Equity to asset ratio (5-year summary)
Equity ratio70.3%at 2021-03-31dCons.Equity to asset ratio (5-year summary)
ROE15.1%2024-04-01 → 2025-03-31Cons.Rate of return on equity (5-year summary)
ROE15.3%2023-04-01 → 2024-03-31Cons.Rate of return on equity (5-year summary)
ROE14.9%2022-04-01 → 2023-03-31dCons.Rate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31dCons.Rate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dCons.Rate of return on equity (5-year summary)
Employees184at 2025-03-31Cons.Number of employees
Employees190at 2024-03-31Cons.Number of employees
Employees192at 2023-03-31dCons.Number of employees
Employees170at 2022-03-31dCons.Number of employees
Employees161at 2021-03-31dCons.Number of employees
Revenue¥10.9bn2024-04-01 → 2025-03-31StandaloneNet sales
Revenue¥9.6bn2023-04-01 → 2024-03-31StandaloneNet sales
Revenue¥8.7bn2022-04-01 → 2023-03-31dStandaloneNet sales (5-year summary)
Revenue¥8.2bn2021-04-01 → 2022-03-31dStandaloneNet sales (5-year summary)
Revenue¥7.8bn2020-04-01 → 2021-03-31dStandaloneNet sales (5-year summary)
Operating income¥4.8bn2024-04-01 → 2025-03-31StandaloneOperating income
Operating income¥4.5bn2023-04-01 → 2024-03-31StandaloneOperating income
Ordinary income¥5.1bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥4.7bn2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥4.1bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥3.6bn2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥2.9bn2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥5.1bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥4.7bn2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥3.5bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥3.3bn2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥2.8bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥2.5bn2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥2.0bn2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥31.1bnat 2025-03-31StandaloneAssets
Total assets¥28.4bnat 2024-03-31StandaloneAssets
Total assets¥26.5bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥23.9bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥21.5bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥6.8bnat 2025-03-31StandaloneLiabilities
Total liabilities¥6.1bnat 2024-03-31StandaloneLiabilities
Net assets / equity¥24.4bnat 2025-03-31StandaloneNet assets
Net assets / equity¥22.3bnat 2024-03-31StandaloneNet assets
Net assets / equity¥20.5bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥18.3bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥16.0bnat 2021-03-31dStandaloneNet assets (5-year summary)
Cash and deposits¥11.0bnat 2025-03-31StandaloneCash and deposits
Cash and deposits¥10.1bnat 2024-03-31StandaloneCash and deposits
EPS (basic)¥72.982024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥68.642023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥60.332022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥52.892021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥45.222020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥72.122024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥67.42023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥58.612022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥51.282021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥42.62020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥372024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥352023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥342022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥262021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥222020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥504.96at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥465.1at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥428.65at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥387.95at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥347.56at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio77.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio78.1%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio76.7%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio76.2%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio73.9%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE15.0%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE15.4%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE14.8%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE14.5%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE14.6%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued47,928,900at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued47,690,100at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued47,467,700at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued46,845,400at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued45,729,800at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees180at 2025-03-31StandaloneNumber of employees
Employees186at 2024-03-31StandaloneNumber of employees
Employees185at 2023-03-31dStandaloneNumber of employees
Employees163at 2022-03-31dStandaloneNumber of employees
Employees156at 2021-03-31dStandaloneNumber 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 2025-03-31184 pure
Credit Guaranteereportable segmentemployeesat 2025-03-31180 pure

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

All source rows · 1,239
ItemContextValueUnit
Total changes of items during the periodCurrentYearDuration_CapitalSurplusMember102336000JPY
Total changes of items during the periodCurrentYearDuration_RetainedEarningsMember1821933000JPY
Total changes of items during the periodCurrentYearDuration_TreasuryStockMember-103000JPY
Total changes of items during the periodCurrentYearDuration_ShareholdersEquityMember2026503000JPY
Net assetsCurrentYearInstant_CapitalStockMember3975185000JPY
Net assetsCurrentYearInstant_CapitalSurplusMember3385185000JPY
Net assetsCurrentYearInstant_RetainedEarningsMember16846869000JPY
Net assetsCurrentYearInstant_TreasuryStockMember-1068000JPY
Net assetsCurrentYearInstant_ShareholdersEquityMember24206173000JPY
Net assetsPrior1YearInstant_SubscriptionRightsToSharesMember159885000JPY
Net assetsPrior1YearInstant_NonControllingInterestsMember1787333000JPY
Net assetsPrior1YearInstant24126887000JPY
Issuance of new sharesCurrentYearDuration_SubscriptionRightsToSharesMember-2152000JPY
Issuance of new sharesCurrentYearDuration202521000JPY
Dividends from surplusCurrentYearDuration-1669088000JPY
Profit loss attributable to owners of parentCurrentYearDuration3491021000JPY
Purchase of treasury stockCurrentYearDuration-103000JPY
Net changes of items other than shareholders equityCurrentYearDuration_SubscriptionRightsToSharesMember-JPY
Net changes of items other than shareholders equityCurrentYearDuration_NonControllingInterestsMember240093000JPY
Net changes of items other than shareholders equityCurrentYearDuration240093000JPY
Total changes of items during the periodCurrentYearDuration_SubscriptionRightsToSharesMember-2152000JPY
Total changes of items during the periodCurrentYearDuration_NonControllingInterestsMember240093000JPY
Total changes of items during the periodCurrentYearDuration2264444000JPY
Net assetsCurrentYearInstant_SubscriptionRightsToSharesMember157733000JPY
Net assetsCurrentYearInstant_NonControllingInterestsMember2027426000JPY
Net assetsCurrentYearInstant26391332000JPY
Income before income taxesPrior1YearDuration4896377000JPY
Income before income taxesCurrentYearDuration5165256000JPY
Depreciation and amortization ope cfPrior1YearDuration86977000JPY
Depreciation and amortization ope cfCurrentYearDuration91548000JPY
Increase decrease in provision for settlement ope cfPrior1YearDuration-92290000JPY
Increase decrease in provision for settlement ope cfCurrentYearDuration69086000JPY
Increase decrease in provision for bonuses ope cfPrior1YearDuration-163000000JPY
Increase decrease in provision for bonuses ope cfCurrentYearDuration-10000000JPY
Interest income ope cfPrior1YearDuration-53388000JPY
Interest income ope cfCurrentYearDuration-92840000JPY
Equity in earnings losses of affiliates ope cfPrior1YearDuration4378000JPY
Equity in earnings losses of affiliates ope cfCurrentYearDuration2463000JPY
Loss gain on investments in silent partnership ope cfPrior1YearDuration-1599000JPY
Loss gain on investments in silent partnership ope cfCurrentYearDuration-3237000JPY
Share based compensation expenses ope cfPrior1YearDuration6682000JPY
Share based compensation expenses ope cfCurrentYearDuration10490000JPY
Loss on retirement of noncurrent assets ope cfPrior1YearDuration6293000JPY
Loss on retirement of noncurrent assets ope cfCurrentYearDuration37769000JPY
Decrease increase in notes and accounts receivable trade ope cfPrior1YearDuration405000JPY
Decrease increase in notes and accounts receivable trade ope cfCurrentYearDuration2746000JPY
Increase decrease in notes and accounts payable trade ope cfPrior1YearDuration5520000JPY
Increase decrease in notes and accounts payable trade ope cfCurrentYearDuration59869000JPY
Decrease increase in prepaid expenses ope cfPrior1YearDuration-214402000JPY
Decrease increase in prepaid expenses ope cfCurrentYearDuration-35090000JPY

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 2024-03-31pass rounding
balance sheet identityconsolidated 2025-03-31pass rounding
balance sheet identitynon_consolidated 2024-03-31pass
balance sheet identitynon_consolidated 2025-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsconsolidated 2023-03-31pass
statement vs summary · net assetsconsolidated 2024-03-31pass
statement vs summary · net assetsconsolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net income attributable to parentconsolidated 2023-04-01/2024-03-31pass
statement vs summary · net income attributable to parentconsolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flowconsolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flowconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenueconsolidated 2023-04-01/2024-03-31pass
statement vs summary · revenueconsolidated 2024-04-01/2025-03-31pass
statement vs summary · revenuenon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · revenuenon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsconsolidated 2024-03-31pass
statement vs summary · total assetsconsolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass