ZTL PAYMENT SOLUTION AS

Operating

Yte betalingstjenester, betalingsfullmakttjenester og kontoinformasjonstjenester med konsesjon fra Finanstilsynet.

Utvikling og drift av betalingssystemer for bedriftsmarkedet.

Organization

CEO: EA
Even Andreas Bjerke1966
Chairman of the board: AH
Anders Hvide1963
Years since formation: 8 years; since Jun 9, 2018
Type: Limited company
VAT registered: Yes
Number of employees: 17

Ownership

Number of shares and share classes: 23,699,354; 1 share class
Total number of shareholders: 89; 59 companies, 30 persons

Financials

Total operating income 2025: 10,797,406; NOK
Annual total result 2025: -34,865,124; NOK
Total equity 2025: 27,600,174; NOK

Last update: Oct 13, 2026

Management

Management / administration

Name	Role	Shares
EA Even Andreas Bjerke 1966	Managing Director/CEO	-

Board

Name	Role	Shares
AH Anders Hvide 1963	Chairman	-
TS Thale Susanne Kuvås Solberg 1977	Board Member	-
TA Tore Andreas Frøysa Tønseth 1980	Board Member	-
AL Axel Leonard Norstrøm Roth 1989	Board Member	-
LK Liv-Kari Kroken 1964	Board Member	-

Others

Name	Role	Shares
K KPMG AS	Auditor	-
S SAGA REGNSKAP ASKER OG BÆRUM AS	Accountant	-

Top 10 individual shareholders

Name	Role	Shares
LN Leonard Norstrøm Roth Axel 1989	-	9.77 % directly
HR Halsebakk Roger 1965	-	7.75 % indirectly
AB Andreas Bjerke Even 1966	-	5.8 % directly 0.03 % indirectly 5.76 %
GS Gulbrandsen Stein 1959	-	5.5 % directly 0.52 % indirectly 4.97 %
HA Hvide Anders 1963	-	4.85 % indirectly
EH Engelkor Halsebakk Robin 1990	-	3.58 % indirectly
DH Djupvik Halsebakk Anja 1994	-	3.58 % indirectly
MA Modesta Advocaat Hvide Katinka 2000	-	2.68 % indirectly
LA Louise Advocaat Hvide Marie 1998	-	2.68 % indirectly
HA Hermansen Arild 1966	-	1.37 % indirectly

Last update: Jun 8, 2026

Ownership

Company shareholders

Name	Share class	Total number of shares	Share
R RONJA CAPITAL INVESTMENT AS	Ordinary shares	3,856,986	16.27 %
T TUCAN HOLDING AS	Ordinary shares	2,549,125	10.76 %
V VISMA NORGE HOLDING AS	Ordinary shares	2,318,057	9.78 %
LN Leonard Norstrøm Roth Axel 1989	Ordinary shares	2,315,000	9.77 %
E ECIT AS	Ordinary shares	1,576,770	6.65 %
A ANAKO AS	Ordinary shares	1,366,181	5.76 %
M MARKET SURVEILLANCE AS	Ordinary shares	1,179,000	4.97 %
S SKIPS AS TUDOR	Ordinary shares	1,092,759	4.61 %
I INVESTINOR INDIREKTE II AS	Ordinary shares	845,750	3.57 %
N NEW & COMPANY AS	Ordinary shares	504,250	2.13 %
A ALTITUDE EXPLORER AS	Ordinary shares	449,750	1.9 %
H HERMAN AS	Ordinary shares	324,684	1.37 %
K KJØLÅS STANSEKNIVER AS	Ordinary shares	304,151	1.28 %
N NH KAPITAL AS	Ordinary shares	267,321	1.13 %
E EXPROCO LIMITED NUF	Ordinary shares	215,216	0.91 %
T TRK GROUP AS	Ordinary shares	208,250	0.88 %
M MOWINCKEL INVEST AS	Ordinary shares	196,250	0.83 %
TE Tegner Ek Hellen 1971	Ordinary shares	187,314	0.79 %
N NALEY AS	Ordinary shares	186,778	0.79 %
A ANALYTIKA VENTURES VI AS	Ordinary shares	173,453	0.73 %
M MOVIDA AS	Ordinary shares	169,277	0.71 %
BA Bø Audun 1962	Ordinary shares	160,184	0.68 %
S SKAR-MYREN HOLDING AS	Ordinary shares	144,398	0.61 %
T TRIPOD CAPITAL COLLECTIVE AS	Ordinary shares	136,750	0.58 %
GS Gulbrandsen Stein 1959	Ordinary shares	124,123	0.52 %
AW Andreas Windfeldt Bjørn 1968	Ordinary shares	99,500	0.42 %
A AJEA INVEST AS	Ordinary shares	97,173	0.41 %
N NOT4SAIL AS	Ordinary shares	92,500	0.39 %
AV Aven Vegard 1970	Ordinary shares	89,337	0.38 %
T TROMMENATTEN INVEST AS	Ordinary shares	81,700	0.34 %
B BAIAS AS	Ordinary shares	76,086	0.32 %
K KRAKAVIKJE AS	Ordinary shares	71,014	0.3 %
U ULLENSAKER ELEKTRISKE AS	Ordinary shares	69,041	0.29 %
HR Heldrup Rasmussen Pål 1963	Ordinary shares	62,500	0.26 %
F FRYDENLUND HOLDING AS	Ordinary shares	58,750	0.25 %
C COPA AS	Ordinary shares	57,750	0.24 %
N NORLINK INVEST AS Closed	Ordinary shares	57,750	0.24 %
BL Bang Lindman Iver 1944	Ordinary shares	55,639	0.23 %
PO Petter Olsen Jens 1961	Ordinary shares	55,639	0.23 %
T TRUEBLUE AS	Ordinary shares	54,673	0.23 %
A ASTIL INVEST AS	Ordinary shares	54,673	0.23 %
A AANDSTAD HOLDING AS	Ordinary shares	50,000	0.21 %
M MOFFEN EXPLORER AS	Ordinary shares	45,500	0.19 %
O ONETWO3 AS	Ordinary shares	45,386	0.19 %
MP Myren Pål 1980	Ordinary shares	45,290	0.19 %
A AANDSTAD CONSULTING AS	Ordinary shares	44,900	0.19 %
P PIMA AS	Ordinary shares	41,750	0.18 %
T TRH AS	Ordinary shares	38,500	0.16 %
G GERONIMO54 INVEST AS	Ordinary shares	38,000	0.16 %
L LUNDEMOSS AS	Ordinary shares	35,000	0.15 %
W WETRUVIAN SOLUTIONS AS	Ordinary shares	33,250	0.14 %
F FRYDENBØ GROUP AS	Ordinary shares	33,250	0.14 %
W WNH INVEST AS	Ordinary shares	32,000	0.14 %
H HÅLOGALAND EVENT AS	Ordinary shares	31,000	0.13 %
ST Svendsen Tony 1973	Ordinary shares	30,406	0.13 %
RS Rene Sveen Anders 1978	Ordinary shares	25,251	0.11 %
Z ZTL PAYMENT SOLUTION AS	Ordinary shares	25,000	0.11 %
SC Sparre-Enger Clausen Christopher 1980	Ordinary shares	24,902	0.11 %
F FILEX CAPITAL AS	Ordinary shares	24,184	0.1 %
K KJELD RASMUSSEN AS	Ordinary shares	22,915	0.1 %
MH Magnus Hofbauer Christian 1966	Ordinary shares	21,619	0.09 %
GM Grete Merky Sabine 1974	Ordinary shares	21,368	0.09 %
F FLKX CAPITAL AS	Ordinary shares	17,500	0.07 %
W WICHITA FALLS CAPITAL MANAGEMENT AS	Ordinary shares	17,500	0.07 %
J JAGODA AS	Ordinary shares	17,500	0.07 %
TØ Torstein Øvstetun Nils 1982	Ordinary shares	17,209	0.07 %
A ATLAS ADVISORY AS	Ordinary shares	16,942	0.07 %
L LINGLING TEKSTIL HOLDING AS	Ordinary shares	16,750	0.07 %
UJ Ulleberg Jussila Jonas 1990	Ordinary shares	16,410	0.07 %
HR Høivik Robberstad Ane 1987	Ordinary shares	13,750	0.06 %
HH Hope Husaas Heidi 1969	Ordinary shares	12,935	0.05 %
ET Egge Thorsheim Christoffer 1982	Ordinary shares	11,585	0.05 %
R RØ & FRØ INVEST AS	Ordinary shares	11,213	0.05 %
P PARG INVEST AS	Ordinary shares	11,205	0.05 %
L LINDMAN ADVOKATFIRMA AS	Ordinary shares	11,000	0.05 %
AJ André Jacobsen Sindre 1998	Ordinary shares	10,898	0.05 %
B BWAS EIENDOM AS	Ordinary shares	8,152	0.03 %
AB Andreas Bjerke Even 1966	Ordinary shares	7,246	0.03 %
BA Bandarenka Alexandra 1990	Ordinary shares	6,793	0.03 %
LL Lergaard Lene 1972	Ordinary shares	5,435	0.02 %
C CAMOCIM HOLDING AS	Ordinary shares	5,434	0.02 %
PS Pearl Sustiguer-Wartiainen Edda 1987	Ordinary shares	4,273	0.02 %
LP Larsen Pål-Edward 1995	Ordinary shares	4,273	0.02 %
SF Schilbred Fasmer Benedicte 1965	Ordinary shares	3,250	< 0.01 %
A APPROACH AI AS	Ordinary shares	3,000	< 0.01 %
HA Hobbelin Andréas 1978	Ordinary shares	3,000	< 0.01 %
OØ Olav Øyen Espen 1979	Ordinary shares	2,739	< 0.01 %
P PROSPER HOLDING AS	Ordinary shares	2,619	< 0.01 %
SS Sigrid Skjønsberg Ane 1995	Ordinary shares	1,834	< 0.01 %

Shares owned by the ZTL PAYMENT SOLUTION AS

Name	Share class	Total number of shares	Share
Z ZTL PAYMENT SOLUTION AS	Ordinary shares	25,000	0.11 %

Last update: Sep 25, 2026

Financials

in NOK

Summary

Year	2025	2024	2023	2022	2021
Total operating income	10,797,406	5,496,838	566,832	77,771	10,600
Annual Total Result	-34,865,124	-29,438,340	-37,343,537	-34,796,258	-20,626,208
Total assets	38,920,489	45,661,380	40,732,638	43,170,734	60,908,041
Total liabilities	11,320,315	9,673,227	6,277,107	6,264,214	8,200,232
Total equity	27,600,174	35,988,154	34,455,532	36,906,521	52,707,809

P&L

Year	2025	2024	2023	2022	2021
Total operating income	10,797,406	5,496,838	566,832	77,771	10,600
Total operating costs	45,377,096	34,627,468	37,770,573	34,701,879	20,372,002
Operating result	-34,579,690	-29,130,630	-37,203,742	-34,624,108	-20,361,402
Financial income/costs	-285,434	-307,710	-139,796	-172,150	-264,805
Profit before tax	-34,865,124	-29,438,340	-37,343,537	-34,796,258	-20,626,208
Total tax & extraordinary income/cost	0	0	0	0	0
Annual Total Result	-34,865,124	-29,438,340	-37,343,537	-34,796,258	-20,626,208

Balance overview

Year	2025	2024	2023	2022	2021
Total fixed assets	18,408,365	19,369,675	21,477,377	27,870,357	28,596,830
Total current assets	20,512,124	26,291,705	19,255,261	15,300,377	32,311,211
Total assets	38,920,489	45,661,380	40,732,638	43,170,734	60,908,041
Short term debt	6,573,648	4,553,227	4,877,107	4,864,214	5,800,232
Long term debt	0	5,120,000	1,400,000	1,400,000	2,400,000
Total liabilities	11,320,315	9,673,227	6,277,107	6,264,214	8,200,232
Contributed capital	27,600,174	35,988,154	34,455,532	129,393,281	110,398,311
Retained earnings	0	0	0	-92,486,760	-57,690,502
Total equity	27,600,174	35,988,154	34,455,532	36,906,521	52,707,809
Total equity and liabilities	38,920,489	45,661,381	40,732,638	43,170,734	60,908,041

Classification

21st company classification

BETA

Scaleup

Type of organization

Limited company

Classification of institutional sector

INNL

Domestic sectors

A_IKKE-FIN

Non-financial corporations

2100

Private non-financial incorporated enterprises

Standard industrial classification

ZTL PAYMENT SOLUTION AS920 970 931