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 assets (5-year summary)Prior2YearInstant27997897000JPY
Total assets (5-year summary)Prior1YearInstant30109022000JPY
Total assets (5-year summary)CurrentYearInstant33014129000JPY
Net assets per share (5-year summary)Prior4YearInstant347.19
Net assets per share (5-year summary)Prior3YearInstant387.62
Net assets per share (5-year summary)Prior2YearInstant428.68
Net assets per share (5-year summary)Prior1YearInstant465.10
Net assets per share (5-year summary)CurrentYearInstant505.07
Basic earnings loss per share (5-year summary)Prior4YearDuration45.12
Basic earnings loss per share (5-year summary)Prior3YearDuration52.92
Basic earnings loss per share (5-year summary)Prior2YearDuration60.68
Basic earnings loss per share (5-year summary)Prior1YearDuration68.60
Basic earnings loss per share (5-year summary)CurrentYearDuration73.10
Diluted earnings per share (5-year summary)Prior4YearDuration42.51
Diluted earnings per share (5-year summary)Prior3YearDuration51.32
Diluted earnings per share (5-year summary)Prior2YearDuration58.95
Diluted earnings per share (5-year summary)Prior1YearDuration67.36
Diluted earnings per share (5-year summary)CurrentYearDuration72.24
Equity to asset ratio (5-year summary)Prior4YearInstant0.703
Equity to asset ratio (5-year summary)Prior3YearInstant0.719
Equity to asset ratio (5-year summary)Prior2YearInstant0.727
Equity to asset ratio (5-year summary)Prior1YearInstant0.737
Equity to asset ratio (5-year summary)CurrentYearInstant0.733
Rate of return on equity (5-year summary)Prior4YearDuration0.146
Rate of return on equity (5-year summary)Prior3YearDuration0.145
Rate of return on equity (5-year summary)Prior2YearDuration0.149
Rate of return on equity (5-year summary)Prior1YearDuration0.153
Rate of return on equity (5-year summary)CurrentYearDuration0.151
Price earnings ratio (5-year summary)Prior4YearDuration46.25
Price earnings ratio (5-year summary)Prior3YearDuration38.75
Price earnings ratio (5-year summary)Prior2YearDuration35.84
Price earnings ratio (5-year summary)Prior1YearDuration26.12
Price earnings ratio (5-year summary)CurrentYearDuration24.05
Net cash provided by used in operating activities (5-year summary)Prior4YearDuration4694093000JPY
Net cash provided by used in operating activities (5-year summary)Prior3YearDuration2662585000JPY
Net cash provided by used in operating activities (5-year summary)Prior2YearDuration3238278000JPY
Net cash provided by used in operating activities (5-year summary)Prior1YearDuration3132049000JPY
Net cash provided by used in operating activities (5-year summary)CurrentYearDuration4101741000JPY
Net cash provided by used in investing activities (5-year summary)Prior4YearDuration-80167000JPY
Net cash provided by used in investing activities (5-year summary)Prior3YearDuration-1824431000JPY
Net cash provided by used in investing activities (5-year summary)Prior2YearDuration-4192800000JPY
Net cash provided by used in investing activities (5-year summary)Prior1YearDuration-4284768000JPY
Net cash provided by used in investing activities (5-year summary)CurrentYearDuration311334000JPY
Net cash provided by used in financing activities (5-year summary)Prior4YearDuration2209591000JPY
Net cash provided by used in financing activities (5-year summary)Prior3YearDuration-87535000JPY
Net cash provided by used in financing activities (5-year summary)Prior2YearDuration-713101000JPY
Net cash provided by used in financing activities (5-year summary)Prior1YearDuration-1330795000JPY
Net cash provided by used in financing activities (5-year summary)CurrentYearDuration-1441634000JPY
Cash and cash equivalents (5-year summary)Prior4YearInstant11644392000JPY
Cash and cash equivalents (5-year summary)Prior3YearInstant12395011000JPY

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