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
Retained earningsPrior1YearInstant_NonConsolidatedMember15025170000JPY
Retained earningsCurrentYearInstant_NonConsolidatedMember16841387000JPY
Treasury stockPrior1YearInstant_NonConsolidatedMember-964000JPY
Treasury stockCurrentYearInstant_NonConsolidatedMember-1068000JPY
Shareholders equityPrior1YearInstant_NonConsolidatedMember22179904000JPY
Shareholders equityCurrentYearInstant_NonConsolidatedMember24200690000JPY
Subscription rights to sharesPrior1YearInstant_NonConsolidatedMember159885000JPY
Subscription rights to sharesCurrentYearInstant_NonConsolidatedMember157733000JPY
Net assetsPrior1YearInstant_NonConsolidatedMember22339789000JPY
Net assetsCurrentYearInstant_NonConsolidatedMember24358423000JPY
Liabilities and net assetsPrior1YearInstant_NonConsolidatedMember28410969000JPY
Liabilities and net assetsCurrentYearInstant_NonConsolidatedMember31127630000JPY
Net salesPrior1YearDuration_NonConsolidatedMember9552991000JPY
Net salesCurrentYearDuration_NonConsolidatedMember10866915000JPY
Guarantee commission cosPrior1YearDuration_NonConsolidatedMember1905694000JPY
Guarantee commission cosCurrentYearDuration_NonConsolidatedMember2494762000JPY
Commission fee cosPrior1YearDuration_NonConsolidatedMember608084000JPY
Commission fee cosCurrentYearDuration_NonConsolidatedMember640751000JPY
Provision for loss on guarantees cosPrior1YearDuration_NonConsolidatedMember71997000JPY
Provision for loss on guarantees cosCurrentYearDuration_NonConsolidatedMember231179000JPY
Cost of salesPrior1YearDuration_NonConsolidatedMember2585775000JPY
Cost of salesCurrentYearDuration_NonConsolidatedMember3366694000JPY
Gross profitPrior1YearDuration_NonConsolidatedMember6967215000JPY
Gross profitCurrentYearDuration_NonConsolidatedMember7500221000JPY
Selling general and administrative expensesPrior1YearDuration_NonConsolidatedMember2483725000JPY
Selling general and administrative expensesCurrentYearDuration_NonConsolidatedMember2672430000JPY
Operating incomePrior1YearDuration_NonConsolidatedMember4483489000JPY
Operating incomeCurrentYearDuration_NonConsolidatedMember4827791000JPY
Interest income noiPrior1YearDuration_NonConsolidatedMember4204000JPY
Interest income noiCurrentYearDuration_NonConsolidatedMember11176000JPY
Interest on securities noiPrior1YearDuration_NonConsolidatedMember52293000JPY
Interest on securities noiCurrentYearDuration_NonConsolidatedMember85171000JPY
Gain on investments in silent partnership noiPrior1YearDuration_NonConsolidatedMember187796000JPY
Gain on investments in silent partnership noiCurrentYearDuration_NonConsolidatedMember147805000JPY
Other noiPrior1YearDuration_NonConsolidatedMember16241000JPY
Other noiCurrentYearDuration_NonConsolidatedMember20901000JPY
Non operating incomePrior1YearDuration_NonConsolidatedMember260535000JPY
Non operating incomeCurrentYearDuration_NonConsolidatedMember265055000JPY
Interest expenses noePrior1YearDuration_NonConsolidatedMember451000JPY
Interest expenses noeCurrentYearDuration_NonConsolidatedMember448000JPY
Other noePrior1YearDuration_NonConsolidatedMember533000JPY
Other noeCurrentYearDuration_NonConsolidatedMember1323000JPY
Non operating expensesPrior1YearDuration_NonConsolidatedMember985000JPY
Non operating expensesCurrentYearDuration_NonConsolidatedMember1771000JPY
Ordinary incomePrior1YearDuration_NonConsolidatedMember4743040000JPY
Ordinary incomeCurrentYearDuration_NonConsolidatedMember5091075000JPY
Loss on retirement of noncurrent assets elPrior1YearDuration_NonConsolidatedMember6250000JPY
Loss on retirement of noncurrent assets elCurrentYearDuration_NonConsolidatedMember37924000JPY
Extraordinary lossPrior1YearDuration_NonConsolidatedMember6250000JPY
Extraordinary lossCurrentYearDuration_NonConsolidatedMember37924000JPY

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